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$15,814
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,306
−HK$500/mo
Today · 4.125%
HK$16,806
baseline
▲ 0.50% · 4.625%
HK$17,828
+HK$1,022/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,612/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,593
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,065
−HK$479/mo
Today · 4.125%
HK$18,544
baseline
▲ 0.50% · 4.625%
HK$19,521
+HK$977/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,088/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,977
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,567
−HK$600/mo
Today · 4.125%
HK$20,167
baseline
▲ 0.50% · 4.625%
HK$21,394
+HK$1,227/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,334/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,112
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,678
−HK$574/mo
Today · 4.125%
HK$22,252
baseline
▲ 0.50% · 4.625%
HK$23,425
+HK$1,173/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,504/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,140
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,829
−HK$699/mo
Today · 4.125%
HK$23,528
baseline
▲ 0.50% · 4.625%
HK$24,960
+HK$1,432/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$47,056/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,630
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,291
−HK$670/mo
Today · 4.125%
HK$25,961
baseline
▲ 0.50% · 4.625%
HK$27,330
+HK$1,369/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,922/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,466
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,351
−HK$900/mo
Today · 4.125%
HK$30,251
baseline
▲ 0.50% · 4.625%
HK$32,091
+HK$1,840/mo
Deposit HK$694K · loan HK$6.24M · min. income ≈ HK$60,502/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,668
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,517
−HK$862/mo
Today · 4.125%
HK$33,379
baseline
▲ 0.50% · 4.625%
HK$35,138
+HK$1,759/mo
Deposit HK$694K · loan HK$6.24M · min. income ≈ HK$66,758/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,059 · 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).