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$15,797
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,288
−HK$499/mo
Today · 4.125%
HK$16,787
baseline
▲ 0.50% · 4.625%
HK$17,809
+HK$1,022/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,574/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,574
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,045
−HK$478/mo
Today · 4.125%
HK$18,523
baseline
▲ 0.50% · 4.625%
HK$19,500
+HK$977/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$37,046/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,956
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,546
−HK$599/mo
Today · 4.125%
HK$20,145
baseline
▲ 0.50% · 4.625%
HK$21,371
+HK$1,226/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,290/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,089
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,654
−HK$574/mo
Today · 4.125%
HK$22,228
baseline
▲ 0.50% · 4.625%
HK$23,400
+HK$1,172/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,456/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,116
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,803
−HK$699/mo
Today · 4.125%
HK$23,502
baseline
▲ 0.50% · 4.625%
HK$24,932
+HK$1,430/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$47,004/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,603
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,263
−HK$670/mo
Today · 4.125%
HK$25,933
baseline
▲ 0.50% · 4.625%
HK$27,299
+HK$1,366/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,866/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,434
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,319
−HK$898/mo
Today · 4.125%
HK$30,217
baseline
▲ 0.50% · 4.625%
HK$32,056
+HK$1,839/mo
Deposit HK$693K · loan HK$6.23M · min. income ≈ HK$60,434/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,633
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,481
−HK$861/mo
Today · 4.125%
HK$33,342
baseline
▲ 0.50% · 4.625%
HK$35,099
+HK$1,757/mo
Deposit HK$693K · loan HK$6.23M · min. income ≈ HK$66,684/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,830 · 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).