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$15,780
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,271
−HK$498/mo
Today · 4.125%
HK$16,769
baseline
▲ 0.50% · 4.625%
HK$17,790
+HK$1,021/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,538/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,555
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,026
−HK$477/mo
Today · 4.125%
HK$18,503
baseline
▲ 0.50% · 4.625%
HK$19,479
+HK$976/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$37,006/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,936
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,525
−HK$598/mo
Today · 4.125%
HK$20,123
baseline
▲ 0.50% · 4.625%
HK$21,348
+HK$1,225/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$40,246/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,066
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,631
−HK$573/mo
Today · 4.125%
HK$22,204
baseline
▲ 0.50% · 4.625%
HK$23,374
+HK$1,170/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$44,408/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,092
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,779
−HK$698/mo
Today · 4.125%
HK$23,477
baseline
▲ 0.50% · 4.625%
HK$24,905
+HK$1,428/mo
Deposit HK$2.08M · loan HK$4.84M · min. income ≈ HK$46,954/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,577
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,236
−HK$668/mo
Today · 4.125%
HK$25,904
baseline
▲ 0.50% · 4.625%
HK$27,270
+HK$1,366/mo
Deposit HK$2.08M · loan HK$4.84M · min. income ≈ HK$51,808/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,403
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,287
−HK$898/mo
Today · 4.125%
HK$30,185
baseline
▲ 0.50% · 4.625%
HK$32,021
+HK$1,836/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$60,370/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,599
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,446
−HK$860/mo
Today · 4.125%
HK$33,306
baseline
▲ 0.50% · 4.625%
HK$35,061
+HK$1,755/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$66,612/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,605 · 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).