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$15,742
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,232
−HK$498/mo
Today · 4.125%
HK$16,730
baseline
▲ 0.50% · 4.625%
HK$17,748
+HK$1,018/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,460/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,513
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,983
−HK$476/mo
Today · 4.125%
HK$18,459
baseline
▲ 0.50% · 4.625%
HK$19,432
+HK$973/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,918/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,891
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,479
−HK$597/mo
Today · 4.125%
HK$20,076
baseline
▲ 0.50% · 4.625%
HK$21,297
+HK$1,221/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,152/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,016
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,580
−HK$571/mo
Today · 4.125%
HK$22,151
baseline
▲ 0.50% · 4.625%
HK$23,319
+HK$1,168/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,302/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,039
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,725
−HK$696/mo
Today · 4.125%
HK$23,421
baseline
▲ 0.50% · 4.625%
HK$24,847
+HK$1,426/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,842/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,519
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,176
−HK$667/mo
Today · 4.125%
HK$25,843
baseline
▲ 0.50% · 4.625%
HK$27,205
+HK$1,362/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,686/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,336
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,218
−HK$895/mo
Today · 4.125%
HK$30,113
baseline
▲ 0.50% · 4.625%
HK$31,946
+HK$1,833/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$60,226/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$207,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,524
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,369
−HK$858/mo
Today · 4.125%
HK$33,227
baseline
▲ 0.50% · 4.625%
HK$34,978
+HK$1,751/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$66,454/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$207,114 · 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).