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$15,820
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,312
−HK$500/mo
Today · 4.125%
HK$16,812
baseline
▲ 0.50% · 4.625%
HK$17,835
+HK$1,023/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,624/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,599
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,071
−HK$479/mo
Today · 4.125%
HK$18,550
baseline
▲ 0.50% · 4.625%
HK$19,528
+HK$978/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,100/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,984
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,574
−HK$600/mo
Today · 4.125%
HK$20,174
baseline
▲ 0.50% · 4.625%
HK$21,402
+HK$1,228/mo
Deposit HK$2.78M · loan HK$4.16M · min. income ≈ HK$40,348/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,119
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,686
−HK$574/mo
Today · 4.125%
HK$22,260
baseline
▲ 0.50% · 4.625%
HK$23,434
+HK$1,174/mo
Deposit HK$2.78M · loan HK$4.16M · min. income ≈ HK$44,520/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,148
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,837
−HK$700/mo
Today · 4.125%
HK$23,537
baseline
▲ 0.50% · 4.625%
HK$24,969
+HK$1,432/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,074/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,639
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,300
−HK$670/mo
Today · 4.125%
HK$25,970
baseline
▲ 0.50% · 4.625%
HK$27,339
+HK$1,369/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$51,940/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,476
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,361
−HK$900/mo
Today · 4.125%
HK$30,261
baseline
▲ 0.50% · 4.625%
HK$32,103
+HK$1,842/mo
Deposit HK$694K · loan HK$6.24M · min. income ≈ HK$60,522/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,679
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,529
−HK$861/mo
Today · 4.125%
HK$33,390
baseline
▲ 0.50% · 4.625%
HK$35,151
+HK$1,761/mo
Deposit HK$694K · loan HK$6.24M · min. income ≈ HK$66,780/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,133 · 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).