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$15,790
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,281
−HK$499/mo
Today · 4.125%
HK$16,780
baseline
▲ 0.50% · 4.625%
HK$17,801
+HK$1,021/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,560/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,566
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,037
−HK$478/mo
Today · 4.125%
HK$18,515
baseline
▲ 0.50% · 4.625%
HK$19,491
+HK$976/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$37,030/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,948
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,537
−HK$599/mo
Today · 4.125%
HK$20,136
baseline
▲ 0.50% · 4.625%
HK$21,361
+HK$1,225/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$40,272/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,079
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,644
−HK$574/mo
Today · 4.125%
HK$22,218
baseline
▲ 0.50% · 4.625%
HK$23,389
+HK$1,171/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$44,436/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,106
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,793
−HK$699/mo
Today · 4.125%
HK$23,492
baseline
▲ 0.50% · 4.625%
HK$24,921
+HK$1,429/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$46,984/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,592
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,252
−HK$669/mo
Today · 4.125%
HK$25,921
baseline
▲ 0.50% · 4.625%
HK$27,287
+HK$1,366/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,842/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,421
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,305
−HK$899/mo
Today · 4.125%
HK$30,204
baseline
▲ 0.50% · 4.625%
HK$32,042
+HK$1,838/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$60,408/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,619
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,467
−HK$860/mo
Today · 4.125%
HK$33,327
baseline
▲ 0.50% · 4.625%
HK$35,083
+HK$1,756/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$66,654/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,736 · 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).