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$15,799
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,291
−HK$499/mo
Today · 4.125%
HK$16,790
baseline
▲ 0.50% · 4.625%
HK$17,812
+HK$1,022/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,580/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,577
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,048
−HK$478/mo
Today · 4.125%
HK$18,526
baseline
▲ 0.50% · 4.625%
HK$19,503
+HK$977/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$37,052/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,959
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,549
−HK$599/mo
Today · 4.125%
HK$20,148
baseline
▲ 0.50% · 4.625%
HK$21,374
+HK$1,226/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,296/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,092
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,657
−HK$574/mo
Today · 4.125%
HK$22,231
baseline
▲ 0.50% · 4.625%
HK$23,403
+HK$1,172/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,462/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,119
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,807
−HK$699/mo
Today · 4.125%
HK$23,506
baseline
▲ 0.50% · 4.625%
HK$24,936
+HK$1,430/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$47,012/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,607
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,267
−HK$670/mo
Today · 4.125%
HK$25,937
baseline
▲ 0.50% · 4.625%
HK$27,304
+HK$1,367/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,874/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,439
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,323
−HK$899/mo
Today · 4.125%
HK$30,222
baseline
▲ 0.50% · 4.625%
HK$32,061
+HK$1,839/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$60,444/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,638
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,486
−HK$861/mo
Today · 4.125%
HK$33,347
baseline
▲ 0.50% · 4.625%
HK$35,105
+HK$1,758/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$66,694/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,862 · 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).