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$989/mo
▼ 0.25% · 3.875%
HK$16,270
−HK$498/mo
Today · 4.125%
HK$16,768
baseline
▲ 0.50% · 4.625%
HK$17,789
+HK$1,021/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,536/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,554
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,025
−HK$477/mo
Today · 4.125%
HK$18,502
baseline
▲ 0.50% · 4.625%
HK$19,478
+HK$976/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$37,004/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,935
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,524
−HK$598/mo
Today · 4.125%
HK$20,122
baseline
▲ 0.50% · 4.625%
HK$21,347
+HK$1,225/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$40,244/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,596 · 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$23,373
+HK$1,170/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$207,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,091
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,778
−HK$698/mo
Today · 4.125%
HK$23,476
baseline
▲ 0.50% · 4.625%
HK$24,904
+HK$1,428/mo
Deposit HK$2.08M · loan HK$4.84M · min. income ≈ HK$46,952/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,576
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,235
−HK$668/mo
Today · 4.125%
HK$25,903
baseline
▲ 0.50% · 4.625%
HK$27,269
+HK$1,366/mo
Deposit HK$2.08M · loan HK$4.84M · min. income ≈ HK$51,806/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,402
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,286
−HK$897/mo
Today · 4.125%
HK$30,183
baseline
▲ 0.50% · 4.625%
HK$32,020
+HK$1,837/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$60,366/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,597
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,445
−HK$859/mo
Today · 4.125%
HK$33,304
baseline
▲ 0.50% · 4.625%
HK$35,060
+HK$1,756/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$66,608/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,596 · 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).