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$986/mo
▼ 0.25% · 3.875%
HK$16,207
−HK$497/mo
Today · 4.125%
HK$16,704
baseline
▲ 0.50% · 4.625%
HK$17,720
+HK$1,016/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,408/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,486
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,955
−HK$476/mo
Today · 4.125%
HK$18,431
baseline
▲ 0.50% · 4.625%
HK$19,403
+HK$972/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,862/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,862
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,449
−HK$596/mo
Today · 4.125%
HK$20,045
baseline
▲ 0.50% · 4.625%
HK$21,264
+HK$1,219/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,090/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,984
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,546
−HK$571/mo
Today · 4.125%
HK$22,117
baseline
▲ 0.50% · 4.625%
HK$23,283
+HK$1,166/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,234/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,005
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,690
−HK$695/mo
Today · 4.125%
HK$23,385
baseline
▲ 0.50% · 4.625%
HK$24,808
+HK$1,423/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$206,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,481
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,137
−HK$667/mo
Today · 4.125%
HK$25,804
baseline
▲ 0.50% · 4.625%
HK$27,164
+HK$1,360/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,608/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,293
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,173
−HK$894/mo
Today · 4.125%
HK$30,067
baseline
▲ 0.50% · 4.625%
HK$31,896
+HK$1,829/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$60,134/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,475
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,320
−HK$856/mo
Today · 4.125%
HK$33,176
baseline
▲ 0.50% · 4.625%
HK$34,925
+HK$1,749/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$66,352/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,796 · 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).