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$15,786
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,277
−HK$499/mo
Today · 4.125%
HK$16,776
baseline
▲ 0.50% · 4.625%
HK$17,797
+HK$1,021/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,552/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,562
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,033
−HK$477/mo
Today · 4.125%
HK$18,510
baseline
▲ 0.50% · 4.625%
HK$19,486
+HK$976/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$37,020/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,943
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,532
−HK$599/mo
Today · 4.125%
HK$20,131
baseline
▲ 0.50% · 4.625%
HK$21,356
+HK$1,225/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$40,262/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,074
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,639
−HK$574/mo
Today · 4.125%
HK$22,213
baseline
▲ 0.50% · 4.625%
HK$23,383
+HK$1,170/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$44,426/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,100
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,788
−HK$698/mo
Today · 4.125%
HK$23,486
baseline
▲ 0.50% · 4.625%
HK$24,915
+HK$1,429/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$46,972/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,586
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,246
−HK$669/mo
Today · 4.125%
HK$25,915
baseline
▲ 0.50% · 4.625%
HK$27,281
+HK$1,366/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,830/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,415
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,298
−HK$898/mo
Today · 4.125%
HK$30,196
baseline
▲ 0.50% · 4.625%
HK$32,034
+HK$1,838/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$60,392/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,611
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,459
−HK$860/mo
Today · 4.125%
HK$33,319
baseline
▲ 0.50% · 4.625%
HK$35,075
+HK$1,756/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$66,638/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,686 · 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).