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$15,752
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,242
−HK$497/mo
Today · 4.125%
HK$16,739
baseline
▲ 0.50% · 4.625%
HK$17,758
+HK$1,019/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,478/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,523
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,993
−HK$477/mo
Today · 4.125%
HK$18,470
baseline
▲ 0.50% · 4.625%
HK$19,444
+HK$974/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,940/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,902
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,490
−HK$597/mo
Today · 4.125%
HK$20,087
baseline
▲ 0.50% · 4.625%
HK$21,309
+HK$1,222/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,174/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,028
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,592
−HK$572/mo
Today · 4.125%
HK$22,164
baseline
▲ 0.50% · 4.625%
HK$23,333
+HK$1,169/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,328/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,052
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,738
−HK$697/mo
Today · 4.125%
HK$23,435
baseline
▲ 0.50% · 4.625%
HK$24,861
+HK$1,426/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$46,870/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,533
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,191
−HK$667/mo
Today · 4.125%
HK$25,858
baseline
▲ 0.50% · 4.625%
HK$27,221
+HK$1,363/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$51,716/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,353
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,235
−HK$896/mo
Today · 4.125%
HK$30,131
baseline
▲ 0.50% · 4.625%
HK$31,964
+HK$1,833/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$60,262/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,542
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,388
−HK$858/mo
Today · 4.125%
HK$33,246
baseline
▲ 0.50% · 4.625%
HK$34,999
+HK$1,753/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$66,492/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,235 · 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).