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$15,793
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,285
−HK$499/mo
Today · 4.125%
HK$16,784
baseline
▲ 0.50% · 4.625%
HK$17,805
+HK$1,021/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,568/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,570
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,041
−HK$478/mo
Today · 4.125%
HK$18,519
baseline
▲ 0.50% · 4.625%
HK$19,495
+HK$976/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$37,038/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,952
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,542
−HK$599/mo
Today · 4.125%
HK$20,141
baseline
▲ 0.50% · 4.625%
HK$21,366
+HK$1,225/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,282/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,084
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,650
−HK$573/mo
Today · 4.125%
HK$22,223
baseline
▲ 0.50% · 4.625%
HK$23,395
+HK$1,172/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,446/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,111
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,799
−HK$698/mo
Today · 4.125%
HK$23,497
baseline
▲ 0.50% · 4.625%
HK$24,927
+HK$1,430/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$46,994/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,598
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,258
−HK$669/mo
Today · 4.125%
HK$25,927
baseline
▲ 0.50% · 4.625%
HK$27,294
+HK$1,367/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,854/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,428
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,312
−HK$899/mo
Today · 4.125%
HK$30,211
baseline
▲ 0.50% · 4.625%
HK$32,049
+HK$1,838/mo
Deposit HK$693K · loan HK$6.23M · min. income ≈ HK$60,422/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,626
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,474
−HK$861/mo
Today · 4.125%
HK$33,335
baseline
▲ 0.50% · 4.625%
HK$35,092
+HK$1,757/mo
Deposit HK$693K · loan HK$6.23M · min. income ≈ HK$66,670/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,786 · 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).