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$15,774
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,265
−HK$498/mo
Today · 4.125%
HK$16,763
baseline
▲ 0.50% · 4.625%
HK$17,783
+HK$1,020/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,526/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,549
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,019
−HK$478/mo
Today · 4.125%
HK$18,497
baseline
▲ 0.50% · 4.625%
HK$19,472
+HK$975/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$36,994/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,929
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,518
−HK$598/mo
Today · 4.125%
HK$20,116
baseline
▲ 0.50% · 4.625%
HK$21,340
+HK$1,224/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$40,232/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,058
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,623
−HK$573/mo
Today · 4.125%
HK$22,196
baseline
▲ 0.50% · 4.625%
HK$23,366
+HK$1,170/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$44,392/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,084
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,771
−HK$698/mo
Today · 4.125%
HK$23,469
baseline
▲ 0.50% · 4.625%
HK$24,897
+HK$1,428/mo
Deposit HK$2.08M · loan HK$4.84M · min. income ≈ HK$46,938/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,568
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,227
−HK$669/mo
Today · 4.125%
HK$25,896
baseline
▲ 0.50% · 4.625%
HK$27,261
+HK$1,365/mo
Deposit HK$2.08M · loan HK$4.84M · min. income ≈ HK$51,792/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,394
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,277
−HK$897/mo
Today · 4.125%
HK$30,174
baseline
▲ 0.50% · 4.625%
HK$32,010
+HK$1,836/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$60,348/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,588
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,435
−HK$859/mo
Today · 4.125%
HK$33,294
baseline
▲ 0.50% · 4.625%
HK$35,049
+HK$1,755/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$66,588/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,533 · 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).