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$15,800
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,292
−HK$499/mo
Today · 4.125%
HK$16,791
baseline
▲ 0.50% · 4.625%
HK$17,813
+HK$1,022/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,582/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,578
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,049
−HK$478/mo
Today · 4.125%
HK$18,527
baseline
▲ 0.50% · 4.625%
HK$19,504
+HK$977/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$37,054/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,960
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,550
−HK$599/mo
Today · 4.125%
HK$20,149
baseline
▲ 0.50% · 4.625%
HK$21,375
+HK$1,226/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,298/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,093
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,659
−HK$574/mo
Today · 4.125%
HK$22,233
baseline
▲ 0.50% · 4.625%
HK$23,405
+HK$1,172/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,466/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,120
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,808
−HK$699/mo
Today · 4.125%
HK$23,507
baseline
▲ 0.50% · 4.625%
HK$24,938
+HK$1,431/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$47,014/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,609
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,269
−HK$669/mo
Today · 4.125%
HK$25,938
baseline
▲ 0.50% · 4.625%
HK$27,305
+HK$1,367/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,876/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,440
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,325
−HK$899/mo
Today · 4.125%
HK$30,224
baseline
▲ 0.50% · 4.625%
HK$32,063
+HK$1,839/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$60,448/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,640
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,488
−HK$861/mo
Today · 4.125%
HK$33,349
baseline
▲ 0.50% · 4.625%
HK$35,107
+HK$1,758/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$66,698/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,875 · 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).