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$15,762
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,252
−HK$498/mo
Today · 4.125%
HK$16,750
baseline
▲ 0.50% · 4.625%
HK$17,769
+HK$1,019/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,500/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,535
−HK$947/mo
▼ 0.25% · 3.875%
HK$18,005
−HK$477/mo
Today · 4.125%
HK$18,482
baseline
▲ 0.50% · 4.625%
HK$19,456
+HK$974/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$36,964/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,914
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,502
−HK$598/mo
Today · 4.125%
HK$20,100
baseline
▲ 0.50% · 4.625%
HK$21,323
+HK$1,223/mo
Deposit HK$2.76M · loan HK$4.15M · min. income ≈ HK$40,200/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,042
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,606
−HK$573/mo
Today · 4.125%
HK$22,179
baseline
▲ 0.50% · 4.625%
HK$23,348
+HK$1,169/mo
Deposit HK$2.76M · loan HK$4.15M · min. income ≈ HK$44,358/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,066
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,753
−HK$697/mo
Today · 4.125%
HK$23,450
baseline
▲ 0.50% · 4.625%
HK$24,877
+HK$1,427/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$46,900/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,549
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,207
−HK$668/mo
Today · 4.125%
HK$25,875
baseline
▲ 0.50% · 4.625%
HK$27,239
+HK$1,364/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$51,750/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,371
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,254
−HK$896/mo
Today · 4.125%
HK$30,150
baseline
▲ 0.50% · 4.625%
HK$31,985
+HK$1,835/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$60,300/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,563
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,409
−HK$859/mo
Today · 4.125%
HK$33,268
baseline
▲ 0.50% · 4.625%
HK$35,021
+HK$1,753/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$66,536/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,368 · 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).