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$15,823
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,316
−HK$500/mo
Today · 4.125%
HK$16,816
baseline
▲ 0.50% · 4.625%
HK$17,839
+HK$1,023/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,632/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,603
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,075
−HK$479/mo
Today · 4.125%
HK$18,554
baseline
▲ 0.50% · 4.625%
HK$19,532
+HK$978/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,108/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,988
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,579
−HK$600/mo
Today · 4.125%
HK$20,179
baseline
▲ 0.50% · 4.625%
HK$21,407
+HK$1,228/mo
Deposit HK$2.78M · loan HK$4.16M · min. income ≈ HK$40,358/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,124
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,691
−HK$574/mo
Today · 4.125%
HK$22,265
baseline
▲ 0.50% · 4.625%
HK$23,439
+HK$1,174/mo
Deposit HK$2.78M · loan HK$4.16M · min. income ≈ HK$44,530/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,153
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,842
−HK$700/mo
Today · 4.125%
HK$23,542
baseline
▲ 0.50% · 4.625%
HK$24,974
+HK$1,432/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,084/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,645
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,306
−HK$670/mo
Today · 4.125%
HK$25,976
baseline
▲ 0.50% · 4.625%
HK$27,345
+HK$1,369/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$51,952/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,482
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,368
−HK$900/mo
Today · 4.125%
HK$30,268
baseline
▲ 0.50% · 4.625%
HK$32,110
+HK$1,842/mo
Deposit HK$694K · loan HK$6.25M · min. income ≈ HK$60,536/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,686
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,536
−HK$862/mo
Today · 4.125%
HK$33,398
baseline
▲ 0.50% · 4.625%
HK$35,158
+HK$1,760/mo
Deposit HK$694K · loan HK$6.25M · min. income ≈ HK$66,796/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,180 · 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).