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$16,264
−HK$499/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$207,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,548
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,018
−HK$478/mo
Today · 4.125%
HK$18,496
baseline
▲ 0.50% · 4.625%
HK$19,471
+HK$975/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$36,992/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,928
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,517
−HK$598/mo
Today · 4.125%
HK$20,115
baseline
▲ 0.50% · 4.625%
HK$21,339
+HK$1,224/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$40,230/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,057
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,622
−HK$573/mo
Today · 4.125%
HK$22,195
baseline
▲ 0.50% · 4.625%
HK$23,365
+HK$1,170/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$44,390/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,083
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,770
−HK$698/mo
Today · 4.125%
HK$23,468
baseline
▲ 0.50% · 4.625%
HK$24,896
+HK$1,428/mo
Deposit HK$2.08M · loan HK$4.84M · min. income ≈ HK$46,936/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,567
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,226
−HK$668/mo
Today · 4.125%
HK$25,894
baseline
▲ 0.50% · 4.625%
HK$27,259
+HK$1,365/mo
Deposit HK$2.08M · loan HK$4.84M · min. income ≈ HK$51,788/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,392
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,275
−HK$898/mo
Today · 4.125%
HK$30,173
baseline
▲ 0.50% · 4.625%
HK$32,009
+HK$1,836/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$60,346/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,586
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,433
−HK$860/mo
Today · 4.125%
HK$33,293
baseline
▲ 0.50% · 4.625%
HK$35,048
+HK$1,755/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$66,586/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,523 · 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).