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$15,764
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,254
−HK$498/mo
Today · 4.125%
HK$16,752
baseline
▲ 0.50% · 4.625%
HK$17,771
+HK$1,019/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,504/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,537
−HK$947/mo
▼ 0.25% · 3.875%
HK$18,007
−HK$477/mo
Today · 4.125%
HK$18,484
baseline
▲ 0.50% · 4.625%
HK$19,459
+HK$975/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$36,968/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,916
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,505
−HK$598/mo
Today · 4.125%
HK$20,103
baseline
▲ 0.50% · 4.625%
HK$21,326
+HK$1,223/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$40,206/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,044
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,609
−HK$572/mo
Today · 4.125%
HK$22,181
baseline
▲ 0.50% · 4.625%
HK$23,350
+HK$1,169/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$44,362/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,069
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,756
−HK$697/mo
Today · 4.125%
HK$23,453
baseline
▲ 0.50% · 4.625%
HK$24,880
+HK$1,427/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$46,906/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,552
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,210
−HK$668/mo
Today · 4.125%
HK$25,878
baseline
▲ 0.50% · 4.625%
HK$27,242
+HK$1,364/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$51,756/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,375
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,257
−HK$897/mo
Today · 4.125%
HK$30,154
baseline
▲ 0.50% · 4.625%
HK$31,989
+HK$1,835/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$60,308/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,566
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,413
−HK$859/mo
Today · 4.125%
HK$33,272
baseline
▲ 0.50% · 4.625%
HK$35,026
+HK$1,754/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$66,544/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,393 · 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).