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$15,723
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,212
−HK$497/mo
Today · 4.125%
HK$16,709
baseline
▲ 0.50% · 4.625%
HK$17,726
+HK$1,017/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,418/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,492
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,961
−HK$476/mo
Today · 4.125%
HK$18,437
baseline
▲ 0.50% · 4.625%
HK$19,409
+HK$972/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,874/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,868
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,455
−HK$596/mo
Today · 4.125%
HK$20,051
baseline
▲ 0.50% · 4.625%
HK$21,271
+HK$1,220/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,102/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$206,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,990
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,553
−HK$571/mo
Today · 4.125%
HK$22,124
baseline
▲ 0.50% · 4.625%
HK$23,291
+HK$1,167/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,248/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$206,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,012
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,697
−HK$696/mo
Today · 4.125%
HK$23,393
baseline
▲ 0.50% · 4.625%
HK$24,816
+HK$1,423/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,786/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$206,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,489
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,145
−HK$667/mo
Today · 4.125%
HK$25,812
baseline
▲ 0.50% · 4.625%
HK$27,172
+HK$1,360/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,624/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$206,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,302
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,182
−HK$895/mo
Today · 4.125%
HK$30,077
baseline
▲ 0.50% · 4.625%
HK$31,907
+HK$1,830/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$60,154/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,485
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,330
−HK$856/mo
Today · 4.125%
HK$33,186
baseline
▲ 0.50% · 4.625%
HK$34,936
+HK$1,750/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$66,372/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,861 · 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).