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$15,782
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,273
−HK$499/mo
Today · 4.125%
HK$16,772
baseline
▲ 0.50% · 4.625%
HK$17,792
+HK$1,020/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,544/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,557
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,028
−HK$478/mo
Today · 4.125%
HK$18,506
baseline
▲ 0.50% · 4.625%
HK$19,481
+HK$975/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$37,012/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,939
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,528
−HK$598/mo
Today · 4.125%
HK$20,126
baseline
▲ 0.50% · 4.625%
HK$21,351
+HK$1,225/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$40,252/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,069
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,634
−HK$573/mo
Today · 4.125%
HK$22,207
baseline
▲ 0.50% · 4.625%
HK$23,378
+HK$1,171/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$44,414/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,095
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,782
−HK$699/mo
Today · 4.125%
HK$23,481
baseline
▲ 0.50% · 4.625%
HK$24,909
+HK$1,428/mo
Deposit HK$2.08M · loan HK$4.84M · min. income ≈ HK$46,962/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,580
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,240
−HK$668/mo
Today · 4.125%
HK$25,908
baseline
▲ 0.50% · 4.625%
HK$27,274
+HK$1,366/mo
Deposit HK$2.08M · loan HK$4.84M · min. income ≈ HK$51,816/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,408
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,291
−HK$898/mo
Today · 4.125%
HK$30,189
baseline
▲ 0.50% · 4.625%
HK$32,026
+HK$1,837/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$60,378/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,603
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,451
−HK$860/mo
Today · 4.125%
HK$33,311
baseline
▲ 0.50% · 4.625%
HK$35,067
+HK$1,756/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$66,622/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,637 · 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).