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$15,769
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,259
−HK$499/mo
Today · 4.125%
HK$16,758
baseline
▲ 0.50% · 4.625%
HK$17,777
+HK$1,019/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,516/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,543
−HK$947/mo
▼ 0.25% · 3.875%
HK$18,013
−HK$477/mo
Today · 4.125%
HK$18,490
baseline
▲ 0.50% · 4.625%
HK$19,465
+HK$975/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$36,980/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,922
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,511
−HK$598/mo
Today · 4.125%
HK$20,109
baseline
▲ 0.50% · 4.625%
HK$21,333
+HK$1,224/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$40,218/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,051
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,616
−HK$572/mo
Today · 4.125%
HK$22,188
baseline
▲ 0.50% · 4.625%
HK$23,358
+HK$1,170/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$44,376/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,076
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,763
−HK$698/mo
Today · 4.125%
HK$23,461
baseline
▲ 0.50% · 4.625%
HK$24,888
+HK$1,427/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$46,922/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,560
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,218
−HK$668/mo
Today · 4.125%
HK$25,886
baseline
▲ 0.50% · 4.625%
HK$27,251
+HK$1,365/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$51,772/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,384
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,267
−HK$897/mo
Today · 4.125%
HK$30,164
baseline
▲ 0.50% · 4.625%
HK$31,999
+HK$1,835/mo
Deposit HK$692K · loan HK$6.22M · min. income ≈ HK$60,328/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,577
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,423
−HK$860/mo
Today · 4.125%
HK$33,283
baseline
▲ 0.50% · 4.625%
HK$35,037
+HK$1,754/mo
Deposit HK$692K · loan HK$6.22M · min. income ≈ HK$66,566/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,461 · 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).