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$15,718
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,207
−HK$496/mo
Today · 4.125%
HK$16,703
baseline
▲ 0.50% · 4.625%
HK$17,720
+HK$1,017/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,406/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,486
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,955
−HK$475/mo
Today · 4.125%
HK$18,430
baseline
▲ 0.50% · 4.625%
HK$19,402
+HK$972/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,860/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,861
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,448
−HK$596/mo
Today · 4.125%
HK$20,044
baseline
▲ 0.50% · 4.625%
HK$21,264
+HK$1,220/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,088/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,983
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,546
−HK$570/mo
Today · 4.125%
HK$22,116
baseline
▲ 0.50% · 4.625%
HK$23,282
+HK$1,166/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,232/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,005
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,689
−HK$696/mo
Today · 4.125%
HK$23,385
baseline
▲ 0.50% · 4.625%
HK$24,807
+HK$1,422/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,770/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,480
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,137
−HK$666/mo
Today · 4.125%
HK$25,803
baseline
▲ 0.50% · 4.625%
HK$27,163
+HK$1,360/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,606/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,292
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,172
−HK$894/mo
Today · 4.125%
HK$30,066
baseline
▲ 0.50% · 4.625%
HK$31,895
+HK$1,829/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$60,132/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,474
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,318
−HK$857/mo
Today · 4.125%
HK$33,175
baseline
▲ 0.50% · 4.625%
HK$34,923
+HK$1,748/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$66,350/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,788 · 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).