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$15,819
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,311
−HK$500/mo
Today · 4.125%
HK$16,811
baseline
▲ 0.50% · 4.625%
HK$17,834
+HK$1,023/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,622/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,598
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,070
−HK$479/mo
Today · 4.125%
HK$18,549
baseline
▲ 0.50% · 4.625%
HK$19,527
+HK$978/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,098/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,983
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,573
−HK$600/mo
Today · 4.125%
HK$20,173
baseline
▲ 0.50% · 4.625%
HK$21,400
+HK$1,227/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,346/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,118
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,684
−HK$575/mo
Today · 4.125%
HK$22,259
baseline
▲ 0.50% · 4.625%
HK$23,432
+HK$1,173/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,518/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,146
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,835
−HK$700/mo
Today · 4.125%
HK$23,535
baseline
▲ 0.50% · 4.625%
HK$24,967
+HK$1,432/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,070/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,638
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,298
−HK$671/mo
Today · 4.125%
HK$25,969
baseline
▲ 0.50% · 4.625%
HK$27,337
+HK$1,368/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$51,938/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,474
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,360
−HK$899/mo
Today · 4.125%
HK$30,259
baseline
▲ 0.50% · 4.625%
HK$32,101
+HK$1,842/mo
Deposit HK$694K · loan HK$6.24M · min. income ≈ HK$60,518/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,677
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,526
−HK$862/mo
Today · 4.125%
HK$33,388
baseline
▲ 0.50% · 4.625%
HK$35,148
+HK$1,760/mo
Deposit HK$694K · loan HK$6.24M · min. income ≈ HK$66,776/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,119 · 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).