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$15,781
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,272
−HK$499/mo
Today · 4.125%
HK$16,771
baseline
▲ 0.50% · 4.625%
HK$17,791
+HK$1,020/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,542/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,557
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,027
−HK$478/mo
Today · 4.125%
HK$18,505
baseline
▲ 0.50% · 4.625%
HK$19,481
+HK$976/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$37,010/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,938
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,527
−HK$598/mo
Today · 4.125%
HK$20,125
baseline
▲ 0.50% · 4.625%
HK$21,350
+HK$1,225/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$40,250/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,068
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,633
−HK$573/mo
Today · 4.125%
HK$22,206
baseline
▲ 0.50% · 4.625%
HK$23,377
+HK$1,171/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$44,412/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,094
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,781
−HK$698/mo
Today · 4.125%
HK$23,479
baseline
▲ 0.50% · 4.625%
HK$24,908
+HK$1,429/mo
Deposit HK$2.08M · loan HK$4.84M · min. income ≈ HK$46,958/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,579
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,238
−HK$669/mo
Today · 4.125%
HK$25,907
baseline
▲ 0.50% · 4.625%
HK$27,273
+HK$1,366/mo
Deposit HK$2.08M · loan HK$4.84M · min. income ≈ HK$51,814/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,406
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,290
−HK$898/mo
Today · 4.125%
HK$30,188
baseline
▲ 0.50% · 4.625%
HK$32,025
+HK$1,837/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$60,376/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,602
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,449
−HK$860/mo
Today · 4.125%
HK$33,309
baseline
▲ 0.50% · 4.625%
HK$35,065
+HK$1,756/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$66,618/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,626 · 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).