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$207,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,572
−HK$949/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$207,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,954
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,544
−HK$599/mo
Today · 4.125%
HK$20,143
baseline
▲ 0.50% · 4.625%
HK$21,368
+HK$1,225/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,286/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,086
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,652
−HK$573/mo
Today · 4.125%
HK$22,225
baseline
▲ 0.50% · 4.625%
HK$23,397
+HK$1,172/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$207,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,113
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,801
−HK$699/mo
Today · 4.125%
HK$23,500
baseline
▲ 0.50% · 4.625%
HK$24,929
+HK$1,429/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$47,000/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,805 · 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$207,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,431
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,315
−HK$899/mo
Today · 4.125%
HK$30,214
baseline
▲ 0.50% · 4.625%
HK$32,052
+HK$1,838/mo
Deposit HK$693K · loan HK$6.23M · min. income ≈ HK$60,428/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,629
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,477
−HK$861/mo
Today · 4.125%
HK$33,338
baseline
▲ 0.50% · 4.625%
HK$35,095
+HK$1,757/mo
Deposit HK$693K · loan HK$6.23M · min. income ≈ HK$66,676/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,805 · 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).