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$17,725
+HK$1,016/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$206,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,491
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,960
−HK$476/mo
Today · 4.125%
HK$18,436
baseline
▲ 0.50% · 4.625%
HK$19,408
+HK$972/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,872/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,867
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,454
−HK$596/mo
Today · 4.125%
HK$20,050
baseline
▲ 0.50% · 4.625%
HK$21,270
+HK$1,220/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,100/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,990
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,552
−HK$572/mo
Today · 4.125%
HK$22,124
baseline
▲ 0.50% · 4.625%
HK$23,290
+HK$1,166/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,248/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,012
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,696
−HK$696/mo
Today · 4.125%
HK$23,392
baseline
▲ 0.50% · 4.625%
HK$24,815
+HK$1,423/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,784/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$206,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,488
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,145
−HK$666/mo
Today · 4.125%
HK$25,811
baseline
▲ 0.50% · 4.625%
HK$27,171
+HK$1,360/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,622/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$206,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,301
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,181
−HK$894/mo
Today · 4.125%
HK$30,075
baseline
▲ 0.50% · 4.625%
HK$31,905
+HK$1,830/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$60,150/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,484
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,329
−HK$856/mo
Today · 4.125%
HK$33,185
baseline
▲ 0.50% · 4.625%
HK$34,935
+HK$1,750/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$66,370/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,854 · 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).