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$15,754
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,244
−HK$498/mo
Today · 4.125%
HK$16,742
baseline
▲ 0.50% · 4.625%
HK$17,760
+HK$1,018/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,484/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,526
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,996
−HK$477/mo
Today · 4.125%
HK$18,473
baseline
▲ 0.50% · 4.625%
HK$19,446
+HK$973/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,946/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,904
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,492
−HK$598/mo
Today · 4.125%
HK$20,090
baseline
▲ 0.50% · 4.625%
HK$21,312
+HK$1,222/mo
Deposit HK$2.76M · loan HK$4.15M · min. income ≈ HK$40,180/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,031
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,595
−HK$572/mo
Today · 4.125%
HK$22,167
baseline
▲ 0.50% · 4.625%
HK$23,336
+HK$1,169/mo
Deposit HK$2.76M · loan HK$4.15M · min. income ≈ HK$44,334/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,055
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,741
−HK$697/mo
Today · 4.125%
HK$23,438
baseline
▲ 0.50% · 4.625%
HK$24,864
+HK$1,426/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$46,876/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,536
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,194
−HK$668/mo
Today · 4.125%
HK$25,862
baseline
▲ 0.50% · 4.625%
HK$27,225
+HK$1,363/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$51,724/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,357
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,239
−HK$896/mo
Today · 4.125%
HK$30,135
baseline
▲ 0.50% · 4.625%
HK$31,968
+HK$1,833/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$60,270/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,546
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,392
−HK$859/mo
Today · 4.125%
HK$33,251
baseline
▲ 0.50% · 4.625%
HK$35,003
+HK$1,752/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$66,502/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,262 · 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).