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$15,781
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,272
−HK$498/mo
Today · 4.125%
HK$16,770
baseline
▲ 0.50% · 4.625%
HK$17,791
+HK$1,021/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,540/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,556
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,027
−HK$478/mo
Today · 4.125%
HK$18,505
baseline
▲ 0.50% · 4.625%
HK$19,480
+HK$975/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$37,010/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,937
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,526
−HK$599/mo
Today · 4.125%
HK$20,125
baseline
▲ 0.50% · 4.625%
HK$21,349
+HK$1,224/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$40,250/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,067
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,632
−HK$573/mo
Today · 4.125%
HK$22,205
baseline
▲ 0.50% · 4.625%
HK$23,376
+HK$1,171/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$44,410/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,093
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,780
−HK$699/mo
Today · 4.125%
HK$23,479
baseline
▲ 0.50% · 4.625%
HK$24,907
+HK$1,428/mo
Deposit HK$2.08M · loan HK$4.84M · min. income ≈ HK$46,958/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,578
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,238
−HK$668/mo
Today · 4.125%
HK$25,906
baseline
▲ 0.50% · 4.625%
HK$27,272
+HK$1,366/mo
Deposit HK$2.08M · loan HK$4.84M · min. income ≈ HK$51,812/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,406
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,289
−HK$898/mo
Today · 4.125%
HK$30,187
baseline
▲ 0.50% · 4.625%
HK$32,024
+HK$1,837/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$60,374/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,601
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,448
−HK$860/mo
Today · 4.125%
HK$33,308
baseline
▲ 0.50% · 4.625%
HK$35,064
+HK$1,756/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$66,616/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,620 · 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).