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$15,795
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,287
−HK$499/mo
Today · 4.125%
HK$16,786
baseline
▲ 0.50% · 4.625%
HK$17,807
+HK$1,021/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,572/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,572
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,043
−HK$478/mo
Today · 4.125%
HK$18,521
baseline
▲ 0.50% · 4.625%
HK$19,498
+HK$977/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$37,042/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,954
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,544
−HK$599/mo
Today · 4.125%
HK$20,143
baseline
▲ 0.50% · 4.625%
HK$21,369
+HK$1,226/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,286/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,087
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,652
−HK$574/mo
Today · 4.125%
HK$22,226
baseline
▲ 0.50% · 4.625%
HK$23,397
+HK$1,171/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,452/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,113
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,801
−HK$699/mo
Today · 4.125%
HK$23,500
baseline
▲ 0.50% · 4.625%
HK$24,930
+HK$1,430/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$47,000/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,601
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,261
−HK$669/mo
Today · 4.125%
HK$25,930
baseline
▲ 0.50% · 4.625%
HK$27,297
+HK$1,367/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,860/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,432
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,316
−HK$898/mo
Today · 4.125%
HK$30,214
baseline
▲ 0.50% · 4.625%
HK$32,053
+HK$1,839/mo
Deposit HK$693K · loan HK$6.23M · min. income ≈ HK$60,428/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,630
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,478
−HK$861/mo
Today · 4.125%
HK$33,339
baseline
▲ 0.50% · 4.625%
HK$35,096
+HK$1,757/mo
Deposit HK$693K · loan HK$6.23M · min. income ≈ HK$66,678/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,810 · 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).