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$15,743
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,233
−HK$498/mo
Today · 4.125%
HK$16,731
baseline
▲ 0.50% · 4.625%
HK$17,749
+HK$1,018/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,462/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,514
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,984
−HK$477/mo
Today · 4.125%
HK$18,461
baseline
▲ 0.50% · 4.625%
HK$19,434
+HK$973/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,922/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,892
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,480
−HK$597/mo
Today · 4.125%
HK$20,077
baseline
▲ 0.50% · 4.625%
HK$21,298
+HK$1,221/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,154/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,017
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,581
−HK$572/mo
Today · 4.125%
HK$22,153
baseline
▲ 0.50% · 4.625%
HK$23,320
+HK$1,167/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,306/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,041
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,726
−HK$697/mo
Today · 4.125%
HK$23,423
baseline
▲ 0.50% · 4.625%
HK$24,848
+HK$1,425/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,846/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,520
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,178
−HK$667/mo
Today · 4.125%
HK$25,845
baseline
▲ 0.50% · 4.625%
HK$27,207
+HK$1,362/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,690/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,338
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,220
−HK$895/mo
Today · 4.125%
HK$30,115
baseline
▲ 0.50% · 4.625%
HK$31,948
+HK$1,833/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$60,230/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,526
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,371
−HK$858/mo
Today · 4.125%
HK$33,229
baseline
▲ 0.50% · 4.625%
HK$34,981
+HK$1,752/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$66,458/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,127 · 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).