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$15,809
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,301
−HK$499/mo
Today · 4.125%
HK$16,800
baseline
▲ 0.50% · 4.625%
HK$17,823
+HK$1,023/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,600/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,587
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,059
−HK$479/mo
Today · 4.125%
HK$18,538
baseline
▲ 0.50% · 4.625%
HK$19,515
+HK$977/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,076/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,971
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,561
−HK$599/mo
Today · 4.125%
HK$20,160
baseline
▲ 0.50% · 4.625%
HK$21,387
+HK$1,227/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,320/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,105
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,671
−HK$574/mo
Today · 4.125%
HK$22,245
baseline
▲ 0.50% · 4.625%
HK$23,418
+HK$1,173/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,490/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,133
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,821
−HK$699/mo
Today · 4.125%
HK$23,520
baseline
▲ 0.50% · 4.625%
HK$24,952
+HK$1,432/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$47,040/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,622
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,283
−HK$670/mo
Today · 4.125%
HK$25,953
baseline
▲ 0.50% · 4.625%
HK$27,321
+HK$1,368/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,906/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,456
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,341
−HK$900/mo
Today · 4.125%
HK$30,241
baseline
▲ 0.50% · 4.625%
HK$32,081
+HK$1,840/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$60,482/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,657
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,506
−HK$862/mo
Today · 4.125%
HK$33,368
baseline
▲ 0.50% · 4.625%
HK$35,126
+HK$1,758/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$66,736/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,990 · 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).