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$15,788
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,279
−HK$499/mo
Today · 4.125%
HK$16,778
baseline
▲ 0.50% · 4.625%
HK$17,799
+HK$1,021/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,556/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,564
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,035
−HK$478/mo
Today · 4.125%
HK$18,513
baseline
▲ 0.50% · 4.625%
HK$19,489
+HK$976/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$37,026/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,946
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,535
−HK$599/mo
Today · 4.125%
HK$20,134
baseline
▲ 0.50% · 4.625%
HK$21,359
+HK$1,225/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$40,268/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,077
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,642
−HK$574/mo
Today · 4.125%
HK$22,216
baseline
▲ 0.50% · 4.625%
HK$23,387
+HK$1,171/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$44,432/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,103
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,791
−HK$698/mo
Today · 4.125%
HK$23,489
baseline
▲ 0.50% · 4.625%
HK$24,919
+HK$1,430/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$46,978/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,590
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,249
−HK$669/mo
Today · 4.125%
HK$25,918
baseline
▲ 0.50% · 4.625%
HK$27,284
+HK$1,366/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,836/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,419
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,303
−HK$898/mo
Today · 4.125%
HK$30,201
baseline
▲ 0.50% · 4.625%
HK$32,038
+HK$1,837/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$60,402/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,615
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,463
−HK$861/mo
Today · 4.125%
HK$33,324
baseline
▲ 0.50% · 4.625%
HK$35,080
+HK$1,756/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$66,648/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,716 · 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).