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$15,722
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,211
−HK$497/mo
Today · 4.125%
HK$16,708
baseline
▲ 0.50% · 4.625%
HK$17,724
+HK$1,016/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,416/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,490
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,960
−HK$475/mo
Today · 4.125%
HK$18,435
baseline
▲ 0.50% · 4.625%
HK$19,407
+HK$972/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,870/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,866
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,453
−HK$596/mo
Today · 4.125%
HK$20,049
baseline
▲ 0.50% · 4.625%
HK$21,269
+HK$1,220/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,098/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,989
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,551
−HK$571/mo
Today · 4.125%
HK$22,122
baseline
▲ 0.50% · 4.625%
HK$23,289
+HK$1,167/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,244/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,011
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,695
−HK$696/mo
Today · 4.125%
HK$23,391
baseline
▲ 0.50% · 4.625%
HK$24,814
+HK$1,423/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,782/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$206,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,487
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,143
−HK$667/mo
Today · 4.125%
HK$25,810
baseline
▲ 0.50% · 4.625%
HK$27,170
+HK$1,360/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,620/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$206,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,299
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,180
−HK$894/mo
Today · 4.125%
HK$30,074
baseline
▲ 0.50% · 4.625%
HK$31,904
+HK$1,830/mo
Deposit HK$689K · loan HK$6.21M · min. income ≈ HK$60,148/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,483
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,327
−HK$857/mo
Today · 4.125%
HK$33,184
baseline
▲ 0.50% · 4.625%
HK$34,933
+HK$1,749/mo
Deposit HK$689K · loan HK$6.21M · min. income ≈ HK$66,368/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,844 · 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).