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$15,779
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,270
−HK$499/mo
Today · 4.125%
HK$16,769
baseline
▲ 0.50% · 4.625%
HK$17,789
+HK$1,020/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,538/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,554
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,025
−HK$478/mo
Today · 4.125%
HK$18,503
baseline
▲ 0.50% · 4.625%
HK$19,478
+HK$975/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$37,006/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,935
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,524
−HK$599/mo
Today · 4.125%
HK$20,123
baseline
▲ 0.50% · 4.625%
HK$21,347
+HK$1,224/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$40,246/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,065
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,630
−HK$573/mo
Today · 4.125%
HK$22,203
baseline
▲ 0.50% · 4.625%
HK$23,374
+HK$1,171/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$44,406/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,091
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,778
−HK$699/mo
Today · 4.125%
HK$23,477
baseline
▲ 0.50% · 4.625%
HK$24,905
+HK$1,428/mo
Deposit HK$2.08M · loan HK$4.84M · min. income ≈ HK$46,954/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,576
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,235
−HK$669/mo
Today · 4.125%
HK$25,904
baseline
▲ 0.50% · 4.625%
HK$27,270
+HK$1,366/mo
Deposit HK$2.08M · loan HK$4.84M · min. income ≈ HK$51,808/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,403
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,287
−HK$897/mo
Today · 4.125%
HK$30,184
baseline
▲ 0.50% · 4.625%
HK$32,021
+HK$1,837/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$60,368/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,598
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,446
−HK$859/mo
Today · 4.125%
HK$33,305
baseline
▲ 0.50% · 4.625%
HK$35,061
+HK$1,756/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$66,610/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,602 · 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).