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$15,794
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,285
−HK$500/mo
Today · 4.125%
HK$16,785
baseline
▲ 0.50% · 4.625%
HK$17,806
+HK$1,021/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,570/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,571
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,042
−HK$478/mo
Today · 4.125%
HK$18,520
baseline
▲ 0.50% · 4.625%
HK$19,496
+HK$976/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$37,040/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,953
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,543
−HK$599/mo
Today · 4.125%
HK$20,142
baseline
▲ 0.50% · 4.625%
HK$21,367
+HK$1,225/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,284/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,085
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,651
−HK$573/mo
Today · 4.125%
HK$22,224
baseline
▲ 0.50% · 4.625%
HK$23,396
+HK$1,172/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,448/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,112
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,800
−HK$698/mo
Today · 4.125%
HK$23,498
baseline
▲ 0.50% · 4.625%
HK$24,928
+HK$1,430/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$46,996/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,599
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,259
−HK$669/mo
Today · 4.125%
HK$25,928
baseline
▲ 0.50% · 4.625%
HK$27,295
+HK$1,367/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,856/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,429
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,314
−HK$898/mo
Today · 4.125%
HK$30,212
baseline
▲ 0.50% · 4.625%
HK$32,051
+HK$1,839/mo
Deposit HK$693K · loan HK$6.23M · min. income ≈ HK$60,424/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,628
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,476
−HK$860/mo
Today · 4.125%
HK$33,336
baseline
▲ 0.50% · 4.625%
HK$35,093
+HK$1,757/mo
Deposit HK$693K · loan HK$6.23M · min. income ≈ HK$66,672/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,795 · 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).