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$15,792
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,283
−HK$499/mo
Today · 4.125%
HK$16,782
baseline
▲ 0.50% · 4.625%
HK$17,804
+HK$1,022/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,564/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,569
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,040
−HK$478/mo
Today · 4.125%
HK$18,518
baseline
▲ 0.50% · 4.625%
HK$19,494
+HK$976/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$37,036/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,950
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,540
−HK$599/mo
Today · 4.125%
HK$20,139
baseline
▲ 0.50% · 4.625%
HK$21,364
+HK$1,225/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,278/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,082
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,648
−HK$573/mo
Today · 4.125%
HK$22,221
baseline
▲ 0.50% · 4.625%
HK$23,393
+HK$1,172/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,442/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,109
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,797
−HK$698/mo
Today · 4.125%
HK$23,495
baseline
▲ 0.50% · 4.625%
HK$24,925
+HK$1,430/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$46,990/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,596
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,256
−HK$669/mo
Today · 4.125%
HK$25,925
baseline
▲ 0.50% · 4.625%
HK$27,291
+HK$1,366/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,850/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,426
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,310
−HK$898/mo
Today · 4.125%
HK$30,208
baseline
▲ 0.50% · 4.625%
HK$32,046
+HK$1,838/mo
Deposit HK$693K · loan HK$6.23M · min. income ≈ HK$60,416/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,623
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,471
−HK$861/mo
Today · 4.125%
HK$33,332
baseline
▲ 0.50% · 4.625%
HK$35,089
+HK$1,757/mo
Deposit HK$693K · loan HK$6.23M · min. income ≈ HK$66,664/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,768 · 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).