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$15,771
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,262
−HK$498/mo
Today · 4.125%
HK$16,760
baseline
▲ 0.50% · 4.625%
HK$17,780
+HK$1,020/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,520/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,545
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,016
−HK$477/mo
Today · 4.125%
HK$18,493
baseline
▲ 0.50% · 4.625%
HK$19,468
+HK$975/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$36,986/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,925
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,514
−HK$598/mo
Today · 4.125%
HK$20,112
baseline
▲ 0.50% · 4.625%
HK$21,336
+HK$1,224/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$40,224/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,054
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,619
−HK$573/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$207,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,080
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,766
−HK$698/mo
Today · 4.125%
HK$23,464
baseline
▲ 0.50% · 4.625%
HK$24,892
+HK$1,428/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$46,928/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,563
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,222
−HK$668/mo
Today · 4.125%
HK$25,890
baseline
▲ 0.50% · 4.625%
HK$27,255
+HK$1,365/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$51,780/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,388
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,271
−HK$897/mo
Today · 4.125%
HK$30,168
baseline
▲ 0.50% · 4.625%
HK$32,004
+HK$1,836/mo
Deposit HK$692K · loan HK$6.22M · min. income ≈ HK$60,336/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,582
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,429
−HK$859/mo
Today · 4.125%
HK$33,288
baseline
▲ 0.50% · 4.625%
HK$35,042
+HK$1,754/mo
Deposit HK$692K · loan HK$6.22M · min. income ≈ HK$66,576/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,493 · 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).