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$15,802
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,294
−HK$499/mo
Today · 4.125%
HK$16,793
baseline
▲ 0.50% · 4.625%
HK$17,815
+HK$1,022/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,586/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,580
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,051
−HK$479/mo
Today · 4.125%
HK$18,530
baseline
▲ 0.50% · 4.625%
HK$19,506
+HK$976/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,060/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,963
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,552
−HK$600/mo
Today · 4.125%
HK$20,152
baseline
▲ 0.50% · 4.625%
HK$21,378
+HK$1,226/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,304/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,096
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,662
−HK$573/mo
Today · 4.125%
HK$22,235
baseline
▲ 0.50% · 4.625%
HK$23,408
+HK$1,173/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,470/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,123
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,811
−HK$699/mo
Today · 4.125%
HK$23,510
baseline
▲ 0.50% · 4.625%
HK$24,941
+HK$1,431/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$47,020/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,612
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,272
−HK$669/mo
Today · 4.125%
HK$25,941
baseline
▲ 0.50% · 4.625%
HK$27,309
+HK$1,368/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,882/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,444
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,329
−HK$899/mo
Today · 4.125%
HK$30,228
baseline
▲ 0.50% · 4.625%
HK$32,067
+HK$1,839/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$60,456/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,644
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,492
−HK$861/mo
Today · 4.125%
HK$33,353
baseline
▲ 0.50% · 4.625%
HK$35,111
+HK$1,758/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$66,706/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,901 · 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).