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$15,757
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,247
−HK$498/mo
Today · 4.125%
HK$16,745
baseline
▲ 0.50% · 4.625%
HK$17,764
+HK$1,019/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,490/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,529
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,999
−HK$477/mo
Today · 4.125%
HK$18,476
baseline
▲ 0.50% · 4.625%
HK$19,450
+HK$974/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$36,952/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,908
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,496
−HK$598/mo
Today · 4.125%
HK$20,094
baseline
▲ 0.50% · 4.625%
HK$21,316
+HK$1,222/mo
Deposit HK$2.76M · loan HK$4.15M · min. income ≈ HK$40,188/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,035
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,599
−HK$572/mo
Today · 4.125%
HK$22,171
baseline
▲ 0.50% · 4.625%
HK$23,340
+HK$1,169/mo
Deposit HK$2.76M · loan HK$4.15M · min. income ≈ HK$44,342/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,059
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,745
−HK$698/mo
Today · 4.125%
HK$23,443
baseline
▲ 0.50% · 4.625%
HK$24,869
+HK$1,426/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$46,886/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,541
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,199
−HK$668/mo
Today · 4.125%
HK$25,867
baseline
▲ 0.50% · 4.625%
HK$27,230
+HK$1,363/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$51,734/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,362
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,244
−HK$896/mo
Today · 4.125%
HK$30,140
baseline
▲ 0.50% · 4.625%
HK$31,974
+HK$1,834/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$60,280/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,552
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,399
−HK$858/mo
Today · 4.125%
HK$33,257
baseline
▲ 0.50% · 4.625%
HK$35,010
+HK$1,753/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$66,514/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,301 · 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).