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$15,775
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,266
−HK$498/mo
Today · 4.125%
HK$16,764
baseline
▲ 0.50% · 4.625%
HK$17,784
+HK$1,020/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,528/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,549
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,020
−HK$478/mo
Today · 4.125%
HK$18,498
baseline
▲ 0.50% · 4.625%
HK$19,473
+HK$975/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$36,996/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,930
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,519
−HK$598/mo
Today · 4.125%
HK$20,117
baseline
▲ 0.50% · 4.625%
HK$21,341
+HK$1,224/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$40,234/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,059
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,624
−HK$573/mo
Today · 4.125%
HK$22,197
baseline
▲ 0.50% · 4.625%
HK$23,367
+HK$1,170/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$44,394/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,085
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,772
−HK$698/mo
Today · 4.125%
HK$23,470
baseline
▲ 0.50% · 4.625%
HK$24,898
+HK$1,428/mo
Deposit HK$2.08M · loan HK$4.84M · min. income ≈ HK$46,940/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,569
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,228
−HK$669/mo
Today · 4.125%
HK$25,897
baseline
▲ 0.50% · 4.625%
HK$27,262
+HK$1,365/mo
Deposit HK$2.08M · loan HK$4.84M · min. income ≈ HK$51,794/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,395
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,278
−HK$898/mo
Today · 4.125%
HK$30,176
baseline
▲ 0.50% · 4.625%
HK$32,012
+HK$1,836/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$60,352/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,589
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,436
−HK$860/mo
Today · 4.125%
HK$33,296
baseline
▲ 0.50% · 4.625%
HK$35,051
+HK$1,755/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$66,592/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,542 · 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).