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$15,795
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,286
−HK$499/mo
Today · 4.125%
HK$16,785
baseline
▲ 0.50% · 4.625%
HK$17,807
+HK$1,022/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,570/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,571
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,043
−HK$478/mo
Today · 4.125%
HK$18,521
baseline
▲ 0.50% · 4.625%
HK$19,497
+HK$976/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$37,042/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,954
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,543
−HK$599/mo
Today · 4.125%
HK$20,142
baseline
▲ 0.50% · 4.625%
HK$21,368
+HK$1,226/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,284/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,086
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,651
−HK$574/mo
Today · 4.125%
HK$22,225
baseline
▲ 0.50% · 4.625%
HK$23,396
+HK$1,171/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,450/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,113
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,800
−HK$699/mo
Today · 4.125%
HK$23,499
baseline
▲ 0.50% · 4.625%
HK$24,929
+HK$1,430/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$46,998/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,600
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,260
−HK$669/mo
Today · 4.125%
HK$25,929
baseline
▲ 0.50% · 4.625%
HK$27,296
+HK$1,367/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,858/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,431
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,315
−HK$898/mo
Today · 4.125%
HK$30,213
baseline
▲ 0.50% · 4.625%
HK$32,052
+HK$1,839/mo
Deposit HK$693K · loan HK$6.23M · min. income ≈ HK$60,426/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,629
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,477
−HK$860/mo
Today · 4.125%
HK$33,337
baseline
▲ 0.50% · 4.625%
HK$35,095
+HK$1,758/mo
Deposit HK$693K · loan HK$6.23M · min. income ≈ HK$66,674/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,802 · 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).