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$15,765
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,255
−HK$498/mo
Today · 4.125%
HK$16,753
baseline
▲ 0.50% · 4.625%
HK$17,773
+HK$1,020/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,506/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,538
−HK$947/mo
▼ 0.25% · 3.875%
HK$18,008
−HK$477/mo
Today · 4.125%
HK$18,485
baseline
▲ 0.50% · 4.625%
HK$19,460
+HK$975/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$36,970/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,917
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,506
−HK$598/mo
Today · 4.125%
HK$20,104
baseline
▲ 0.50% · 4.625%
HK$21,327
+HK$1,223/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$40,208/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,045
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,610
−HK$573/mo
Today · 4.125%
HK$22,183
baseline
▲ 0.50% · 4.625%
HK$23,352
+HK$1,169/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$44,366/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,070
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,757
−HK$697/mo
Today · 4.125%
HK$23,454
baseline
▲ 0.50% · 4.625%
HK$24,882
+HK$1,428/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$46,908/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,553
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,212
−HK$668/mo
Today · 4.125%
HK$25,880
baseline
▲ 0.50% · 4.625%
HK$27,244
+HK$1,364/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$51,760/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,376
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,259
−HK$897/mo
Today · 4.125%
HK$30,156
baseline
▲ 0.50% · 4.625%
HK$31,991
+HK$1,835/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$60,312/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,568
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,415
−HK$859/mo
Today · 4.125%
HK$33,274
baseline
▲ 0.50% · 4.625%
HK$35,028
+HK$1,754/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$66,548/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,406 · 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).