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$15,760
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,250
−HK$498/mo
Today · 4.125%
HK$16,748
baseline
▲ 0.50% · 4.625%
HK$17,767
+HK$1,019/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,496/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,533
−HK$947/mo
▼ 0.25% · 3.875%
HK$18,003
−HK$477/mo
Today · 4.125%
HK$18,480
baseline
▲ 0.50% · 4.625%
HK$19,454
+HK$974/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$36,960/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,912
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,500
−HK$598/mo
Today · 4.125%
HK$20,098
baseline
▲ 0.50% · 4.625%
HK$21,321
+HK$1,223/mo
Deposit HK$2.76M · loan HK$4.15M · min. income ≈ HK$40,196/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,039
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,604
−HK$572/mo
Today · 4.125%
HK$22,176
baseline
▲ 0.50% · 4.625%
HK$23,345
+HK$1,169/mo
Deposit HK$2.76M · loan HK$4.15M · min. income ≈ HK$44,352/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,064
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,750
−HK$697/mo
Today · 4.125%
HK$23,447
baseline
▲ 0.50% · 4.625%
HK$24,874
+HK$1,427/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$46,894/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,546
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,204
−HK$668/mo
Today · 4.125%
HK$25,872
baseline
▲ 0.50% · 4.625%
HK$27,236
+HK$1,364/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$51,744/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,368
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,250
−HK$897/mo
Today · 4.125%
HK$30,147
baseline
▲ 0.50% · 4.625%
HK$31,981
+HK$1,834/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$60,294/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,559
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,405
−HK$859/mo
Today · 4.125%
HK$33,264
baseline
▲ 0.50% · 4.625%
HK$35,017
+HK$1,753/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$66,528/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,345 · 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).