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$15,812
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,303
−HK$500/mo
Today · 4.125%
HK$16,803
baseline
▲ 0.50% · 4.625%
HK$17,826
+HK$1,023/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,606/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,590
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,062
−HK$479/mo
Today · 4.125%
HK$18,541
baseline
▲ 0.50% · 4.625%
HK$19,518
+HK$977/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,082/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,974
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,564
−HK$600/mo
Today · 4.125%
HK$20,164
baseline
▲ 0.50% · 4.625%
HK$21,391
+HK$1,227/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,328/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,108
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,674
−HK$575/mo
Today · 4.125%
HK$22,249
baseline
▲ 0.50% · 4.625%
HK$23,422
+HK$1,173/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,498/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,136
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,825
−HK$699/mo
Today · 4.125%
HK$23,524
baseline
▲ 0.50% · 4.625%
HK$24,956
+HK$1,432/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$47,048/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,626
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,287
−HK$670/mo
Today · 4.125%
HK$25,957
baseline
▲ 0.50% · 4.625%
HK$27,325
+HK$1,368/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,914/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,461
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,346
−HK$900/mo
Today · 4.125%
HK$30,246
baseline
▲ 0.50% · 4.625%
HK$32,086
+HK$1,840/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$60,492/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$208,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,663
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,512
−HK$861/mo
Today · 4.125%
HK$33,373
baseline
▲ 0.50% · 4.625%
HK$35,132
+HK$1,759/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$66,746/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$208,025 · 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).