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$15,761
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,251
−HK$498/mo
Today · 4.125%
HK$16,749
baseline
▲ 0.50% · 4.625%
HK$17,768
+HK$1,019/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,498/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,533
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,004
−HK$477/mo
Today · 4.125%
HK$18,481
baseline
▲ 0.50% · 4.625%
HK$19,455
+HK$974/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$36,962/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,913
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,501
−HK$598/mo
Today · 4.125%
HK$20,099
baseline
▲ 0.50% · 4.625%
HK$21,322
+HK$1,223/mo
Deposit HK$2.76M · loan HK$4.15M · min. income ≈ HK$40,198/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,040
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,604
−HK$573/mo
Today · 4.125%
HK$22,177
baseline
▲ 0.50% · 4.625%
HK$23,346
+HK$1,169/mo
Deposit HK$2.76M · loan HK$4.15M · min. income ≈ HK$44,354/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,065
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,751
−HK$697/mo
Today · 4.125%
HK$23,448
baseline
▲ 0.50% · 4.625%
HK$24,875
+HK$1,427/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$46,896/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,547
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,205
−HK$668/mo
Today · 4.125%
HK$25,873
baseline
▲ 0.50% · 4.625%
HK$27,237
+HK$1,364/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$51,746/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,369
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,251
−HK$897/mo
Today · 4.125%
HK$30,148
baseline
▲ 0.50% · 4.625%
HK$31,982
+HK$1,834/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$60,296/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,560
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,407
−HK$858/mo
Today · 4.125%
HK$33,265
baseline
▲ 0.50% · 4.625%
HK$35,019
+HK$1,754/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$66,530/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,352 · 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).