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$15,784
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,275
−HK$499/mo
Today · 4.125%
HK$16,774
baseline
▲ 0.50% · 4.625%
HK$17,794
+HK$1,020/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,548/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,559
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,030
−HK$478/mo
Today · 4.125%
HK$18,508
baseline
▲ 0.50% · 4.625%
HK$19,484
+HK$976/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$37,016/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,941
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,530
−HK$598/mo
Today · 4.125%
HK$20,128
baseline
▲ 0.50% · 4.625%
HK$21,353
+HK$1,225/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$40,256/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,071
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,636
−HK$574/mo
Today · 4.125%
HK$22,210
baseline
▲ 0.50% · 4.625%
HK$23,380
+HK$1,170/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$44,420/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,097
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,785
−HK$698/mo
Today · 4.125%
HK$23,483
baseline
▲ 0.50% · 4.625%
HK$24,912
+HK$1,429/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$46,966/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,583
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,242
−HK$669/mo
Today · 4.125%
HK$25,911
baseline
▲ 0.50% · 4.625%
HK$27,277
+HK$1,366/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,822/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,411
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,295
−HK$898/mo
Today · 4.125%
HK$30,193
baseline
▲ 0.50% · 4.625%
HK$32,030
+HK$1,837/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$60,386/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,607
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,455
−HK$860/mo
Today · 4.125%
HK$33,315
baseline
▲ 0.50% · 4.625%
HK$35,071
+HK$1,756/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$66,630/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,660 · 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).