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$15,773
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,263
−HK$499/mo
Today · 4.125%
HK$16,762
baseline
▲ 0.50% · 4.625%
HK$17,782
+HK$1,020/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,524/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,547
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,018
−HK$477/mo
Today · 4.125%
HK$18,495
baseline
▲ 0.50% · 4.625%
HK$19,470
+HK$975/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$36,990/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,927
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,516
−HK$598/mo
Today · 4.125%
HK$20,114
baseline
▲ 0.50% · 4.625%
HK$21,338
+HK$1,224/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$40,228/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,057
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,621
−HK$573/mo
Today · 4.125%
HK$22,194
baseline
▲ 0.50% · 4.625%
HK$23,364
+HK$1,170/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$44,388/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,082
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,769
−HK$698/mo
Today · 4.125%
HK$23,467
baseline
▲ 0.50% · 4.625%
HK$24,895
+HK$1,428/mo
Deposit HK$2.08M · loan HK$4.84M · min. income ≈ HK$46,934/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,566
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,225
−HK$668/mo
Today · 4.125%
HK$25,893
baseline
▲ 0.50% · 4.625%
HK$27,258
+HK$1,365/mo
Deposit HK$2.08M · loan HK$4.84M · min. income ≈ HK$51,786/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,391
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,274
−HK$898/mo
Today · 4.125%
HK$30,172
baseline
▲ 0.50% · 4.625%
HK$32,007
+HK$1,835/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$60,344/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,585
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,432
−HK$859/mo
Today · 4.125%
HK$33,291
baseline
▲ 0.50% · 4.625%
HK$35,046
+HK$1,755/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$66,582/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,515 · 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).