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$15,768
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,259
−HK$498/mo
Today · 4.125%
HK$16,757
baseline
▲ 0.50% · 4.625%
HK$17,777
+HK$1,020/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,514/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,542
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,013
−HK$477/mo
Today · 4.125%
HK$18,490
baseline
▲ 0.50% · 4.625%
HK$19,464
+HK$974/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$36,980/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,922
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,511
−HK$598/mo
Today · 4.125%
HK$20,109
baseline
▲ 0.50% · 4.625%
HK$21,332
+HK$1,223/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$40,218/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,051
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,615
−HK$573/mo
Today · 4.125%
HK$22,188
baseline
▲ 0.50% · 4.625%
HK$23,357
+HK$1,169/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$44,376/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,076
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,762
−HK$698/mo
Today · 4.125%
HK$23,460
baseline
▲ 0.50% · 4.625%
HK$24,887
+HK$1,427/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$46,920/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,559
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,218
−HK$668/mo
Today · 4.125%
HK$25,886
baseline
▲ 0.50% · 4.625%
HK$27,250
+HK$1,364/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$51,772/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,383
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,266
−HK$897/mo
Today · 4.125%
HK$30,163
baseline
▲ 0.50% · 4.625%
HK$31,998
+HK$1,835/mo
Deposit HK$692K · loan HK$6.22M · min. income ≈ HK$60,326/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,576
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,423
−HK$859/mo
Today · 4.125%
HK$33,282
baseline
▲ 0.50% · 4.625%
HK$35,036
+HK$1,754/mo
Deposit HK$692K · loan HK$6.22M · min. income ≈ HK$66,564/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,455 · 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).