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$15,791
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,282
−HK$499/mo
Today · 4.125%
HK$16,781
baseline
▲ 0.50% · 4.625%
HK$17,802
+HK$1,021/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,562/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,567
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,038
−HK$478/mo
Today · 4.125%
HK$18,516
baseline
▲ 0.50% · 4.625%
HK$19,492
+HK$976/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$37,032/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,949
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,538
−HK$599/mo
Today · 4.125%
HK$20,137
baseline
▲ 0.50% · 4.625%
HK$21,362
+HK$1,225/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$40,274/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,080
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,646
−HK$573/mo
Today · 4.125%
HK$22,219
baseline
▲ 0.50% · 4.625%
HK$23,390
+HK$1,171/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$44,438/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,107
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,795
−HK$698/mo
Today · 4.125%
HK$23,493
baseline
▲ 0.50% · 4.625%
HK$24,923
+HK$1,430/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$46,986/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,594
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,253
−HK$669/mo
Today · 4.125%
HK$25,922
baseline
▲ 0.50% · 4.625%
HK$27,289
+HK$1,367/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,844/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,423
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,307
−HK$899/mo
Today · 4.125%
HK$30,206
baseline
▲ 0.50% · 4.625%
HK$32,043
+HK$1,837/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$60,412/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,620
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,469
−HK$860/mo
Today · 4.125%
HK$33,329
baseline
▲ 0.50% · 4.625%
HK$35,086
+HK$1,757/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$66,658/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,749 · 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).