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$15,739
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,228
−HK$498/mo
Today · 4.125%
HK$16,726
baseline
▲ 0.50% · 4.625%
HK$17,743
+HK$1,017/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,452/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,509
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,979
−HK$476/mo
Today · 4.125%
HK$18,455
baseline
▲ 0.50% · 4.625%
HK$19,428
+HK$973/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,910/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,886
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,474
−HK$597/mo
Today · 4.125%
HK$20,071
baseline
▲ 0.50% · 4.625%
HK$21,292
+HK$1,221/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,142/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,011
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,575
−HK$571/mo
Today · 4.125%
HK$22,146
baseline
▲ 0.50% · 4.625%
HK$23,314
+HK$1,168/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,292/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,034
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,720
−HK$696/mo
Today · 4.125%
HK$23,416
baseline
▲ 0.50% · 4.625%
HK$24,841
+HK$1,425/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,832/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,513
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,170
−HK$667/mo
Today · 4.125%
HK$25,837
baseline
▲ 0.50% · 4.625%
HK$27,199
+HK$1,362/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,674/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,330
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,211
−HK$895/mo
Today · 4.125%
HK$30,106
baseline
▲ 0.50% · 4.625%
HK$31,938
+HK$1,832/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$60,212/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$207,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,517
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,362
−HK$857/mo
Today · 4.125%
HK$33,219
baseline
▲ 0.50% · 4.625%
HK$34,970
+HK$1,751/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$66,438/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$207,066 · 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).