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$15,770
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,261
−HK$498/mo
Today · 4.125%
HK$16,759
baseline
▲ 0.50% · 4.625%
HK$17,779
+HK$1,020/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,518/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,544
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,015
−HK$477/mo
Today · 4.125%
HK$18,492
baseline
▲ 0.50% · 4.625%
HK$19,467
+HK$975/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$36,984/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,925
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,513
−HK$598/mo
Today · 4.125%
HK$20,111
baseline
▲ 0.50% · 4.625%
HK$21,335
+HK$1,224/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$40,222/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,053
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,618
−HK$573/mo
Today · 4.125%
HK$22,191
baseline
▲ 0.50% · 4.625%
HK$23,360
+HK$1,169/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$44,382/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,079
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,765
−HK$698/mo
Today · 4.125%
HK$23,463
baseline
▲ 0.50% · 4.625%
HK$24,891
+HK$1,428/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$46,926/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,562
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,221
−HK$668/mo
Today · 4.125%
HK$25,889
baseline
▲ 0.50% · 4.625%
HK$27,254
+HK$1,365/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$51,778/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,387
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,270
−HK$897/mo
Today · 4.125%
HK$30,167
baseline
▲ 0.50% · 4.625%
HK$32,002
+HK$1,835/mo
Deposit HK$692K · loan HK$6.22M · min. income ≈ HK$60,334/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,580
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,427
−HK$859/mo
Today · 4.125%
HK$33,286
baseline
▲ 0.50% · 4.625%
HK$35,041
+HK$1,755/mo
Deposit HK$692K · loan HK$6.22M · min. income ≈ HK$66,572/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,483 · 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).