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$15,758
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,248
−HK$498/mo
Today · 4.125%
HK$16,746
baseline
▲ 0.50% · 4.625%
HK$17,765
+HK$1,019/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,492/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,530
−HK$947/mo
▼ 0.25% · 3.875%
HK$18,000
−HK$477/mo
Today · 4.125%
HK$18,477
baseline
▲ 0.50% · 4.625%
HK$19,451
+HK$974/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$36,954/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,909
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,497
−HK$598/mo
Today · 4.125%
HK$20,095
baseline
▲ 0.50% · 4.625%
HK$21,318
+HK$1,223/mo
Deposit HK$2.76M · loan HK$4.15M · min. income ≈ HK$40,190/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,036
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,600
−HK$573/mo
Today · 4.125%
HK$22,173
baseline
▲ 0.50% · 4.625%
HK$23,342
+HK$1,169/mo
Deposit HK$2.76M · loan HK$4.15M · min. income ≈ HK$44,346/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,061
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,747
−HK$697/mo
Today · 4.125%
HK$23,444
baseline
▲ 0.50% · 4.625%
HK$24,871
+HK$1,427/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$46,888/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,542
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,201
−HK$667/mo
Today · 4.125%
HK$25,868
baseline
▲ 0.50% · 4.625%
HK$27,232
+HK$1,364/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$51,736/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,364
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,246
−HK$896/mo
Today · 4.125%
HK$30,142
baseline
▲ 0.50% · 4.625%
HK$31,977
+HK$1,835/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$60,284/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,554
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,401
−HK$858/mo
Today · 4.125%
HK$33,259
baseline
▲ 0.50% · 4.625%
HK$35,012
+HK$1,753/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$66,518/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,315 · 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).