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$15,839
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,331
−HK$501/mo
Today · 4.125%
HK$16,832
baseline
▲ 0.50% · 4.625%
HK$17,856
+HK$1,024/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,664/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,620
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,093
−HK$479/mo
Today · 4.125%
HK$18,572
baseline
▲ 0.50% · 4.625%
HK$19,551
+HK$979/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,144/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,006
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,598
−HK$600/mo
Today · 4.125%
HK$20,198
baseline
▲ 0.50% · 4.625%
HK$21,427
+HK$1,229/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,396/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,144
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,711
−HK$576/mo
Today · 4.125%
HK$22,287
baseline
▲ 0.50% · 4.625%
HK$23,462
+HK$1,175/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,574/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,174
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,864
−HK$701/mo
Today · 4.125%
HK$23,565
baseline
▲ 0.50% · 4.625%
HK$24,998
+HK$1,433/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,130/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,668
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,330
−HK$671/mo
Today · 4.125%
HK$26,001
baseline
▲ 0.50% · 4.625%
HK$27,372
+HK$1,371/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$52,002/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,510
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,396
−HK$901/mo
Today · 4.125%
HK$30,297
baseline
▲ 0.50% · 4.625%
HK$32,141
+HK$1,844/mo
Deposit HK$695K · loan HK$6.25M · min. income ≈ HK$60,594/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,717
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,567
−HK$863/mo
Today · 4.125%
HK$33,430
baseline
▲ 0.50% · 4.625%
HK$35,192
+HK$1,762/mo
Deposit HK$695K · loan HK$6.25M · min. income ≈ HK$66,860/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,380 · 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).