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$15,762
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,253
−HK$498/mo
Today · 4.125%
HK$16,751
baseline
▲ 0.50% · 4.625%
HK$17,770
+HK$1,019/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,502/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,535
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,006
−HK$477/mo
Today · 4.125%
HK$18,483
baseline
▲ 0.50% · 4.625%
HK$19,457
+HK$974/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$36,966/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,915
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,503
−HK$598/mo
Today · 4.125%
HK$20,101
baseline
▲ 0.50% · 4.625%
HK$21,324
+HK$1,223/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$40,202/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,042
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,607
−HK$572/mo
Today · 4.125%
HK$22,179
baseline
▲ 0.50% · 4.625%
HK$23,348
+HK$1,169/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$44,358/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,067
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,754
−HK$697/mo
Today · 4.125%
HK$23,451
baseline
▲ 0.50% · 4.625%
HK$24,878
+HK$1,427/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$46,902/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,550
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,208
−HK$668/mo
Today · 4.125%
HK$25,876
baseline
▲ 0.50% · 4.625%
HK$27,240
+HK$1,364/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$51,752/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,372
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,255
−HK$896/mo
Today · 4.125%
HK$30,151
baseline
▲ 0.50% · 4.625%
HK$31,986
+HK$1,835/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$60,302/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,564
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,410
−HK$859/mo
Today · 4.125%
HK$33,269
baseline
▲ 0.50% · 4.625%
HK$35,023
+HK$1,754/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$66,538/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,375 · 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).