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$15,764
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,254
−HK$499/mo
Today · 4.125%
HK$16,753
baseline
▲ 0.50% · 4.625%
HK$17,772
+HK$1,019/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,506/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,537
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,008
−HK$477/mo
Today · 4.125%
HK$18,485
baseline
▲ 0.50% · 4.625%
HK$19,459
+HK$974/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$36,970/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,917
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,505
−HK$598/mo
Today · 4.125%
HK$20,103
baseline
▲ 0.50% · 4.625%
HK$21,326
+HK$1,223/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$40,206/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,045
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,609
−HK$573/mo
Today · 4.125%
HK$22,182
baseline
▲ 0.50% · 4.625%
HK$23,351
+HK$1,169/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$44,364/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,070
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,756
−HK$698/mo
Today · 4.125%
HK$23,454
baseline
▲ 0.50% · 4.625%
HK$24,881
+HK$1,427/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$46,908/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,552
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,211
−HK$668/mo
Today · 4.125%
HK$25,879
baseline
▲ 0.50% · 4.625%
HK$27,243
+HK$1,364/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$51,758/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,375
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,258
−HK$897/mo
Today · 4.125%
HK$30,155
baseline
▲ 0.50% · 4.625%
HK$31,989
+HK$1,834/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$60,310/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,567
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,414
−HK$859/mo
Today · 4.125%
HK$33,273
baseline
▲ 0.50% · 4.625%
HK$35,026
+HK$1,753/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$66,546/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,399 · 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).