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$15,782
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,273
−HK$499/mo
Today · 4.125%
HK$16,772
baseline
▲ 0.50% · 4.625%
HK$17,793
+HK$1,021/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,544/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,558
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,029
−HK$477/mo
Today · 4.125%
HK$18,506
baseline
▲ 0.50% · 4.625%
HK$19,482
+HK$976/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$37,012/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,939
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,528
−HK$599/mo
Today · 4.125%
HK$20,127
baseline
▲ 0.50% · 4.625%
HK$21,351
+HK$1,224/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$40,254/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,069
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,634
−HK$574/mo
Today · 4.125%
HK$22,208
baseline
▲ 0.50% · 4.625%
HK$23,378
+HK$1,170/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$44,416/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,095
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,783
−HK$698/mo
Today · 4.125%
HK$23,481
baseline
▲ 0.50% · 4.625%
HK$24,910
+HK$1,429/mo
Deposit HK$2.08M · loan HK$4.84M · min. income ≈ HK$46,962/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,581
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,240
−HK$669/mo
Today · 4.125%
HK$25,909
baseline
▲ 0.50% · 4.625%
HK$27,275
+HK$1,366/mo
Deposit HK$2.08M · loan HK$4.84M · min. income ≈ HK$51,818/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,408
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,292
−HK$898/mo
Today · 4.125%
HK$30,190
baseline
▲ 0.50% · 4.625%
HK$32,027
+HK$1,837/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$60,380/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,604
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,452
−HK$860/mo
Today · 4.125%
HK$33,312
baseline
▲ 0.50% · 4.625%
HK$35,067
+HK$1,755/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$66,624/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,641 · 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).