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$15,785
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,276
−HK$499/mo
Today · 4.125%
HK$16,775
baseline
▲ 0.50% · 4.625%
HK$17,795
+HK$1,020/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,550/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,560
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,031
−HK$478/mo
Today · 4.125%
HK$18,509
baseline
▲ 0.50% · 4.625%
HK$19,485
+HK$976/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$37,018/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,942
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,531
−HK$598/mo
Today · 4.125%
HK$20,129
baseline
▲ 0.50% · 4.625%
HK$21,354
+HK$1,225/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$40,258/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,072
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,638
−HK$573/mo
Today · 4.125%
HK$22,211
baseline
▲ 0.50% · 4.625%
HK$23,382
+HK$1,171/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$44,422/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,099
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,786
−HK$698/mo
Today · 4.125%
HK$23,484
baseline
▲ 0.50% · 4.625%
HK$24,913
+HK$1,429/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$46,968/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,584
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,244
−HK$669/mo
Today · 4.125%
HK$25,913
baseline
▲ 0.50% · 4.625%
HK$27,279
+HK$1,366/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,826/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,412
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,296
−HK$898/mo
Today · 4.125%
HK$30,194
baseline
▲ 0.50% · 4.625%
HK$32,031
+HK$1,837/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$60,388/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,609
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,456
−HK$860/mo
Today · 4.125%
HK$33,316
baseline
▲ 0.50% · 4.625%
HK$35,072
+HK$1,756/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$66,632/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,671 · 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).