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$15,776
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,267
−HK$498/mo
Today · 4.125%
HK$16,765
baseline
▲ 0.50% · 4.625%
HK$17,786
+HK$1,021/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,530/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,551
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,021
−HK$478/mo
Today · 4.125%
HK$18,499
baseline
▲ 0.50% · 4.625%
HK$19,474
+HK$975/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$36,998/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,931
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,520
−HK$599/mo
Today · 4.125%
HK$20,119
baseline
▲ 0.50% · 4.625%
HK$21,343
+HK$1,224/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$40,238/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,061
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,626
−HK$573/mo
Today · 4.125%
HK$22,199
baseline
▲ 0.50% · 4.625%
HK$23,369
+HK$1,170/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$44,398/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,087
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,774
−HK$698/mo
Today · 4.125%
HK$23,472
baseline
▲ 0.50% · 4.625%
HK$24,900
+HK$1,428/mo
Deposit HK$2.08M · loan HK$4.84M · min. income ≈ HK$46,944/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,571
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,230
−HK$669/mo
Today · 4.125%
HK$25,899
baseline
▲ 0.50% · 4.625%
HK$27,264
+HK$1,365/mo
Deposit HK$2.08M · loan HK$4.84M · min. income ≈ HK$51,798/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,397
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,280
−HK$898/mo
Today · 4.125%
HK$30,178
baseline
▲ 0.50% · 4.625%
HK$32,014
+HK$1,836/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$60,356/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,591
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,439
−HK$859/mo
Today · 4.125%
HK$33,298
baseline
▲ 0.50% · 4.625%
HK$35,053
+HK$1,755/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$66,596/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,558 · 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).