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$15,824
−HK$992/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$208,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,604
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,076
−HK$479/mo
Today · 4.125%
HK$18,555
baseline
▲ 0.50% · 4.625%
HK$19,533
+HK$978/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,110/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,184 · 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$208,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,124
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,691
−HK$575/mo
Today · 4.125%
HK$22,266
baseline
▲ 0.50% · 4.625%
HK$23,439
+HK$1,173/mo
Deposit HK$2.78M · loan HK$4.16M · min. income ≈ HK$44,532/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,184 · 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$24,975
+HK$1,433/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$208,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,645
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,306
−HK$671/mo
Today · 4.125%
HK$25,977
baseline
▲ 0.50% · 4.625%
HK$27,346
+HK$1,369/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$51,954/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,483
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,369
−HK$900/mo
Today · 4.125%
HK$30,269
baseline
▲ 0.50% · 4.625%
HK$32,111
+HK$1,842/mo
Deposit HK$694K · loan HK$6.25M · min. income ≈ HK$60,538/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,687
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,537
−HK$862/mo
Today · 4.125%
HK$33,399
baseline
▲ 0.50% · 4.625%
HK$35,159
+HK$1,760/mo
Deposit HK$694K · loan HK$6.25M · min. income ≈ HK$66,798/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,184 · 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).