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$15,829
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,322
−HK$500/mo
Today · 4.125%
HK$16,822
baseline
▲ 0.50% · 4.625%
HK$17,845
+HK$1,023/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,644/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,610
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,082
−HK$479/mo
Today · 4.125%
HK$18,561
baseline
▲ 0.50% · 4.625%
HK$19,540
+HK$979/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,122/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,995
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,586
−HK$600/mo
Today · 4.125%
HK$20,186
baseline
▲ 0.50% · 4.625%
HK$21,414
+HK$1,228/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,372/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,132
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,698
−HK$575/mo
Today · 4.125%
HK$22,273
baseline
▲ 0.50% · 4.625%
HK$23,447
+HK$1,174/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,546/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,161
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,850
−HK$700/mo
Today · 4.125%
HK$23,550
baseline
▲ 0.50% · 4.625%
HK$24,983
+HK$1,433/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,100/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,654
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,315
−HK$671/mo
Today · 4.125%
HK$25,986
baseline
▲ 0.50% · 4.625%
HK$27,355
+HK$1,369/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$51,972/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,492
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,379
−HK$900/mo
Today · 4.125%
HK$30,279
baseline
▲ 0.50% · 4.625%
HK$32,122
+HK$1,843/mo
Deposit HK$694K · loan HK$6.25M · min. income ≈ HK$60,558/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,698
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,548
−HK$862/mo
Today · 4.125%
HK$33,410
baseline
▲ 0.50% · 4.625%
HK$35,171
+HK$1,761/mo
Deposit HK$694K · loan HK$6.25M · min. income ≈ HK$66,820/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,255 · 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).