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$15,802
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,293
−HK$500/mo
Today · 4.125%
HK$16,793
baseline
▲ 0.50% · 4.625%
HK$17,815
+HK$1,022/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,586/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,579
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,051
−HK$478/mo
Today · 4.125%
HK$18,529
baseline
▲ 0.50% · 4.625%
HK$19,506
+HK$977/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$37,058/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,962
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,552
−HK$599/mo
Today · 4.125%
HK$20,151
baseline
▲ 0.50% · 4.625%
HK$21,377
+HK$1,226/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,302/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,095
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,661
−HK$574/mo
Today · 4.125%
HK$22,235
baseline
▲ 0.50% · 4.625%
HK$23,407
+HK$1,172/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,470/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,123
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,811
−HK$699/mo
Today · 4.125%
HK$23,510
baseline
▲ 0.50% · 4.625%
HK$24,940
+HK$1,430/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$47,020/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,611
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,271
−HK$670/mo
Today · 4.125%
HK$25,941
baseline
▲ 0.50% · 4.625%
HK$27,308
+HK$1,367/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,882/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,443
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,328
−HK$899/mo
Today · 4.125%
HK$30,227
baseline
▲ 0.50% · 4.625%
HK$32,066
+HK$1,839/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$60,454/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,643
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,491
−HK$861/mo
Today · 4.125%
HK$33,352
baseline
▲ 0.50% · 4.625%
HK$35,110
+HK$1,758/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$66,704/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,896 · 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).