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$15,772
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,262
−HK$499/mo
Today · 4.125%
HK$16,761
baseline
▲ 0.50% · 4.625%
HK$17,780
+HK$1,019/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,522/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,546
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,016
−HK$478/mo
Today · 4.125%
HK$18,494
baseline
▲ 0.50% · 4.625%
HK$19,469
+HK$975/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$36,988/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,926
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,515
−HK$598/mo
Today · 4.125%
HK$20,113
baseline
▲ 0.50% · 4.625%
HK$21,337
+HK$1,224/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$40,226/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,055
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,620
−HK$572/mo
Today · 4.125%
HK$22,192
baseline
▲ 0.50% · 4.625%
HK$23,362
+HK$1,170/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$44,384/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,080
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,767
−HK$698/mo
Today · 4.125%
HK$23,465
baseline
▲ 0.50% · 4.625%
HK$24,893
+HK$1,428/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$46,930/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,564
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,223
−HK$668/mo
Today · 4.125%
HK$25,891
baseline
▲ 0.50% · 4.625%
HK$27,256
+HK$1,365/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$51,782/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,389
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,272
−HK$897/mo
Today · 4.125%
HK$30,169
baseline
▲ 0.50% · 4.625%
HK$32,005
+HK$1,836/mo
Deposit HK$692K · loan HK$6.22M · min. income ≈ HK$60,338/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,582
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,429
−HK$860/mo
Today · 4.125%
HK$33,289
baseline
▲ 0.50% · 4.625%
HK$35,043
+HK$1,754/mo
Deposit HK$692K · loan HK$6.22M · min. income ≈ HK$66,578/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,499 · 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).