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$15,819
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,311
−HK$500/mo
Today · 4.125%
HK$16,811
baseline
▲ 0.50% · 4.625%
HK$17,834
+HK$1,023/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,622/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,126 · 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$19,527
+HK$977/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$208,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,983
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,574
−HK$600/mo
Today · 4.125%
HK$20,174
baseline
▲ 0.50% · 4.625%
HK$21,401
+HK$1,227/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$208,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,119
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,685
−HK$575/mo
Today · 4.125%
HK$22,260
baseline
▲ 0.50% · 4.625%
HK$23,433
+HK$1,173/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$208,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,147
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,836
−HK$700/mo
Today · 4.125%
HK$23,536
baseline
▲ 0.50% · 4.625%
HK$24,968
+HK$1,432/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,072/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,638
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,299
−HK$671/mo
Today · 4.125%
HK$25,970
baseline
▲ 0.50% · 4.625%
HK$27,338
+HK$1,368/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$208,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,475
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,361
−HK$899/mo
Today · 4.125%
HK$30,260
baseline
▲ 0.50% · 4.625%
HK$32,102
+HK$1,842/mo
Deposit HK$694K · loan HK$6.24M · min. income ≈ HK$60,520/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,678
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,528
−HK$861/mo
Today · 4.125%
HK$33,389
baseline
▲ 0.50% · 4.625%
HK$35,149
+HK$1,760/mo
Deposit HK$694K · loan HK$6.24M · min. income ≈ HK$66,778/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,126 · 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).