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$15,712
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,201
−HK$496/mo
Today · 4.125%
HK$16,697
baseline
▲ 0.50% · 4.625%
HK$17,713
+HK$1,016/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,394/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,480
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,948
−HK$476/mo
Today · 4.125%
HK$18,424
baseline
▲ 0.50% · 4.625%
HK$19,395
+HK$971/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,848/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,855
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,441
−HK$596/mo
Today · 4.125%
HK$20,037
baseline
▲ 0.50% · 4.625%
HK$21,256
+HK$1,219/mo
Deposit HK$2.76M · loan HK$4.13M · min. income ≈ HK$40,074/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,975
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,538
−HK$571/mo
Today · 4.125%
HK$22,109
baseline
▲ 0.50% · 4.625%
HK$23,274
+HK$1,165/mo
Deposit HK$2.76M · loan HK$4.13M · min. income ≈ HK$44,218/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,997
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,681
−HK$695/mo
Today · 4.125%
HK$23,376
baseline
▲ 0.50% · 4.625%
HK$24,799
+HK$1,423/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$46,752/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,471
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,128
−HK$665/mo
Today · 4.125%
HK$25,793
baseline
▲ 0.50% · 4.625%
HK$27,153
+HK$1,360/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$51,586/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,282
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,162
−HK$893/mo
Today · 4.125%
HK$30,055
baseline
▲ 0.50% · 4.625%
HK$31,884
+HK$1,829/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$60,110/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,463
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,307
−HK$856/mo
Today · 4.125%
HK$33,163
baseline
▲ 0.50% · 4.625%
HK$34,911
+HK$1,748/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$66,326/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,715 · 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).