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$15,787
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,278
−HK$499/mo
Today · 4.125%
HK$16,777
baseline
▲ 0.50% · 4.625%
HK$17,798
+HK$1,021/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,554/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,563
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,034
−HK$478/mo
Today · 4.125%
HK$18,512
baseline
▲ 0.50% · 4.625%
HK$19,487
+HK$975/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$37,024/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,944
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,534
−HK$598/mo
Today · 4.125%
HK$20,132
baseline
▲ 0.50% · 4.625%
HK$21,357
+HK$1,225/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$40,264/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,075
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,641
−HK$573/mo
Today · 4.125%
HK$22,214
baseline
▲ 0.50% · 4.625%
HK$23,385
+HK$1,171/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$44,428/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,102
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,789
−HK$699/mo
Today · 4.125%
HK$23,488
baseline
▲ 0.50% · 4.625%
HK$24,917
+HK$1,429/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$46,976/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,588
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,247
−HK$669/mo
Today · 4.125%
HK$25,916
baseline
▲ 0.50% · 4.625%
HK$27,282
+HK$1,366/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,832/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,416
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,300
−HK$898/mo
Today · 4.125%
HK$30,198
baseline
▲ 0.50% · 4.625%
HK$32,036
+HK$1,838/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$60,396/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,613
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,461
−HK$860/mo
Today · 4.125%
HK$33,321
baseline
▲ 0.50% · 4.625%
HK$35,077
+HK$1,756/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$66,642/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,700 · 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).