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$15,799
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,290
−HK$500/mo
Today · 4.125%
HK$16,790
baseline
▲ 0.50% · 4.625%
HK$17,811
+HK$1,021/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,580/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,576
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,047
−HK$479/mo
Today · 4.125%
HK$18,526
baseline
▲ 0.50% · 4.625%
HK$19,502
+HK$976/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$37,052/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,959
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,548
−HK$599/mo
Today · 4.125%
HK$20,147
baseline
▲ 0.50% · 4.625%
HK$21,373
+HK$1,226/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,294/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,091
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,657
−HK$574/mo
Today · 4.125%
HK$22,231
baseline
▲ 0.50% · 4.625%
HK$23,402
+HK$1,171/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,462/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,118
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,806
−HK$699/mo
Today · 4.125%
HK$23,505
baseline
▲ 0.50% · 4.625%
HK$24,936
+HK$1,431/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$47,010/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,606
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,266
−HK$670/mo
Today · 4.125%
HK$25,936
baseline
▲ 0.50% · 4.625%
HK$27,303
+HK$1,367/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,872/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,438
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,322
−HK$899/mo
Today · 4.125%
HK$30,221
baseline
▲ 0.50% · 4.625%
HK$32,060
+HK$1,839/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$60,442/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,637
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,485
−HK$861/mo
Today · 4.125%
HK$33,346
baseline
▲ 0.50% · 4.625%
HK$35,104
+HK$1,758/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$66,692/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,856 · 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).