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$15,798
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,290
−HK$499/mo
Today · 4.125%
HK$16,789
baseline
▲ 0.50% · 4.625%
HK$17,811
+HK$1,022/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,578/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,575
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,047
−HK$478/mo
Today · 4.125%
HK$18,525
baseline
▲ 0.50% · 4.625%
HK$19,501
+HK$976/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$37,050/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,958
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,548
−HK$599/mo
Today · 4.125%
HK$20,147
baseline
▲ 0.50% · 4.625%
HK$21,373
+HK$1,226/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,294/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,091
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,656
−HK$574/mo
Today · 4.125%
HK$22,230
baseline
▲ 0.50% · 4.625%
HK$23,402
+HK$1,172/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,460/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,118
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,806
−HK$699/mo
Today · 4.125%
HK$23,505
baseline
▲ 0.50% · 4.625%
HK$24,935
+HK$1,430/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$47,010/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,606
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,266
−HK$669/mo
Today · 4.125%
HK$25,935
baseline
▲ 0.50% · 4.625%
HK$27,302
+HK$1,367/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,870/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,437
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,321
−HK$899/mo
Today · 4.125%
HK$30,220
baseline
▲ 0.50% · 4.625%
HK$32,059
+HK$1,839/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$60,440/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,636
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,484
−HK$861/mo
Today · 4.125%
HK$33,345
baseline
▲ 0.50% · 4.625%
HK$35,103
+HK$1,758/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$66,690/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,849 · 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).