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$15,759
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,249
−HK$498/mo
Today · 4.125%
HK$16,747
baseline
▲ 0.50% · 4.625%
HK$17,766
+HK$1,019/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,494/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,532
−HK$947/mo
▼ 0.25% · 3.875%
HK$18,002
−HK$477/mo
Today · 4.125%
HK$18,479
baseline
▲ 0.50% · 4.625%
HK$19,453
+HK$974/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$36,958/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,911
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,499
−HK$598/mo
Today · 4.125%
HK$20,097
baseline
▲ 0.50% · 4.625%
HK$21,320
+HK$1,223/mo
Deposit HK$2.76M · loan HK$4.15M · min. income ≈ HK$40,194/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,038
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,602
−HK$573/mo
Today · 4.125%
HK$22,175
baseline
▲ 0.50% · 4.625%
HK$23,344
+HK$1,169/mo
Deposit HK$2.76M · loan HK$4.15M · min. income ≈ HK$44,350/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,063
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,749
−HK$697/mo
Today · 4.125%
HK$23,446
baseline
▲ 0.50% · 4.625%
HK$24,873
+HK$1,427/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$46,892/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,544
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,203
−HK$668/mo
Today · 4.125%
HK$25,871
baseline
▲ 0.50% · 4.625%
HK$27,234
+HK$1,363/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$51,742/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,366
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,249
−HK$896/mo
Today · 4.125%
HK$30,145
baseline
▲ 0.50% · 4.625%
HK$31,979
+HK$1,834/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$60,290/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,557
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,404
−HK$858/mo
Today · 4.125%
HK$33,262
baseline
▲ 0.50% · 4.625%
HK$35,015
+HK$1,753/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$66,524/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,333 · 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).