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$15,804
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,296
−HK$499/mo
Today · 4.125%
HK$16,795
baseline
▲ 0.50% · 4.625%
HK$17,817
+HK$1,022/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,590/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,582
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,053
−HK$479/mo
Today · 4.125%
HK$18,532
baseline
▲ 0.50% · 4.625%
HK$19,509
+HK$977/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,064/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,965
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,555
−HK$599/mo
Today · 4.125%
HK$20,154
baseline
▲ 0.50% · 4.625%
HK$21,380
+HK$1,226/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,308/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,098
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,664
−HK$574/mo
Today · 4.125%
HK$22,238
baseline
▲ 0.50% · 4.625%
HK$23,410
+HK$1,172/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,476/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,126
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,814
−HK$699/mo
Today · 4.125%
HK$23,513
baseline
▲ 0.50% · 4.625%
HK$24,944
+HK$1,431/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$47,026/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,615
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,275
−HK$669/mo
Today · 4.125%
HK$25,944
baseline
▲ 0.50% · 4.625%
HK$27,312
+HK$1,368/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,888/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,447
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,332
−HK$899/mo
Today · 4.125%
HK$30,231
baseline
▲ 0.50% · 4.625%
HK$32,071
+HK$1,840/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$60,462/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,647
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,496
−HK$861/mo
Today · 4.125%
HK$33,357
baseline
▲ 0.50% · 4.625%
HK$35,115
+HK$1,758/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$66,714/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,925 · 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).