The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$15,740
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,229
−HK$498/mo
Today · 4.125%
HK$16,727
baseline
▲ 0.50% · 4.625%
HK$17,744
+HK$1,017/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,454/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,510
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,980
−HK$476/mo
Today · 4.125%
HK$18,456
baseline
▲ 0.50% · 4.625%
HK$19,429
+HK$973/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,912/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,887
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,475
−HK$597/mo
Today · 4.125%
HK$20,072
baseline
▲ 0.50% · 4.625%
HK$21,293
+HK$1,221/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,144/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,012
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,576
−HK$571/mo
Today · 4.125%
HK$22,147
baseline
▲ 0.50% · 4.625%
HK$23,315
+HK$1,168/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,294/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,035
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,721
−HK$696/mo
Today · 4.125%
HK$23,417
baseline
▲ 0.50% · 4.625%
HK$24,842
+HK$1,425/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,834/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,514
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,172
−HK$667/mo
Today · 4.125%
HK$25,839
baseline
▲ 0.50% · 4.625%
HK$27,201
+HK$1,362/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,678/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,331
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,213
−HK$895/mo
Today · 4.125%
HK$30,108
baseline
▲ 0.50% · 4.625%
HK$31,940
+HK$1,832/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$60,216/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$207,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,518
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,364
−HK$857/mo
Today · 4.125%
HK$33,221
baseline
▲ 0.50% · 4.625%
HK$34,972
+HK$1,751/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$66,442/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$207,077 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).