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$989/mo
▼ 0.25% · 3.875%
HK$16,256
−HK$498/mo
Today · 4.125%
HK$16,754
baseline
▲ 0.50% · 4.625%
HK$17,773
+HK$1,019/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,508/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,539
−HK$947/mo
▼ 0.25% · 3.875%
HK$18,009
−HK$477/mo
Today · 4.125%
HK$18,486
baseline
▲ 0.50% · 4.625%
HK$19,461
+HK$975/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$36,972/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,918
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,507
−HK$598/mo
Today · 4.125%
HK$20,105
baseline
▲ 0.50% · 4.625%
HK$21,328
+HK$1,223/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$40,210/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,046
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,611
−HK$572/mo
Today · 4.125%
HK$22,183
baseline
▲ 0.50% · 4.625%
HK$23,353
+HK$1,170/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$207,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,071
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,758
−HK$697/mo
Today · 4.125%
HK$23,455
baseline
▲ 0.50% · 4.625%
HK$24,882
+HK$1,427/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$46,910/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,554
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,213
−HK$668/mo
Today · 4.125%
HK$25,881
baseline
▲ 0.50% · 4.625%
HK$27,245
+HK$1,364/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$51,762/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,377
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,260
−HK$897/mo
Today · 4.125%
HK$30,157
baseline
▲ 0.50% · 4.625%
HK$31,992
+HK$1,835/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$60,314/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,569
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,416
−HK$859/mo
Today · 4.125%
HK$33,275
baseline
▲ 0.50% · 4.625%
HK$35,029
+HK$1,754/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$66,550/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,413 · 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).