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$15,801
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,293
−HK$499/mo
Today · 4.125%
HK$16,792
baseline
▲ 0.50% · 4.625%
HK$17,814
+HK$1,022/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,584/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,579
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,050
−HK$478/mo
Today · 4.125%
HK$18,528
baseline
▲ 0.50% · 4.625%
HK$19,505
+HK$977/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$37,056/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,961
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,551
−HK$599/mo
Today · 4.125%
HK$20,150
baseline
▲ 0.50% · 4.625%
HK$21,376
+HK$1,226/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,300/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,094
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,660
−HK$574/mo
Today · 4.125%
HK$22,234
baseline
▲ 0.50% · 4.625%
HK$23,406
+HK$1,172/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,468/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,122
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,810
−HK$699/mo
Today · 4.125%
HK$23,509
baseline
▲ 0.50% · 4.625%
HK$24,939
+HK$1,430/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$47,018/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,610
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,270
−HK$670/mo
Today · 4.125%
HK$25,940
baseline
▲ 0.50% · 4.625%
HK$27,307
+HK$1,367/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,880/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,442
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,327
−HK$899/mo
Today · 4.125%
HK$30,226
baseline
▲ 0.50% · 4.625%
HK$32,065
+HK$1,839/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$60,452/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,641
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,490
−HK$861/mo
Today · 4.125%
HK$33,351
baseline
▲ 0.50% · 4.625%
HK$35,109
+HK$1,758/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$66,702/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,886 · 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).