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$15,812
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,304
−HK$500/mo
Today · 4.125%
HK$16,804
baseline
▲ 0.50% · 4.625%
HK$17,826
+HK$1,022/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,608/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,591
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,063
−HK$478/mo
Today · 4.125%
HK$18,541
baseline
▲ 0.50% · 4.625%
HK$19,519
+HK$978/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,082/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,975
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,565
−HK$600/mo
Today · 4.125%
HK$20,165
baseline
▲ 0.50% · 4.625%
HK$21,392
+HK$1,227/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,330/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,109
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,675
−HK$575/mo
Today · 4.125%
HK$22,250
baseline
▲ 0.50% · 4.625%
HK$23,423
+HK$1,173/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,500/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,137
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,826
−HK$699/mo
Today · 4.125%
HK$23,525
baseline
▲ 0.50% · 4.625%
HK$24,957
+HK$1,432/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$47,050/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,627
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,288
−HK$670/mo
Today · 4.125%
HK$25,958
baseline
▲ 0.50% · 4.625%
HK$27,326
+HK$1,368/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,916/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,462
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,348
−HK$899/mo
Today · 4.125%
HK$30,247
baseline
▲ 0.50% · 4.625%
HK$32,088
+HK$1,841/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$60,494/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$208,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,664
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,513
−HK$862/mo
Today · 4.125%
HK$33,375
baseline
▲ 0.50% · 4.625%
HK$35,134
+HK$1,759/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$66,750/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$208,034 · 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).