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$15,798
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,289
−HK$499/mo
Today · 4.125%
HK$16,788
baseline
▲ 0.50% · 4.625%
HK$17,810
+HK$1,022/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,576/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,575
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,046
−HK$478/mo
Today · 4.125%
HK$18,524
baseline
▲ 0.50% · 4.625%
HK$19,501
+HK$977/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$37,048/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,957
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,547
−HK$599/mo
Today · 4.125%
HK$20,146
baseline
▲ 0.50% · 4.625%
HK$21,372
+HK$1,226/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,292/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,090
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,655
−HK$574/mo
Today · 4.125%
HK$22,229
baseline
▲ 0.50% · 4.625%
HK$23,401
+HK$1,172/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,458/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,117
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,805
−HK$699/mo
Today · 4.125%
HK$23,504
baseline
▲ 0.50% · 4.625%
HK$24,934
+HK$1,430/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$47,008/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,605
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,264
−HK$670/mo
Today · 4.125%
HK$25,934
baseline
▲ 0.50% · 4.625%
HK$27,301
+HK$1,367/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,868/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,436
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,320
−HK$899/mo
Today · 4.125%
HK$30,219
baseline
▲ 0.50% · 4.625%
HK$32,058
+HK$1,839/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$60,438/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,634
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,483
−HK$861/mo
Today · 4.125%
HK$33,344
baseline
▲ 0.50% · 4.625%
HK$35,101
+HK$1,757/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$66,688/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,840 · 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).