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$16,332
−HK$500/mo
Today · 4.125%
HK$16,832
baseline
▲ 0.50% · 4.625%
HK$17,857
+HK$1,025/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$208,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,621
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,094
−HK$479/mo
Today · 4.125%
HK$18,573
baseline
▲ 0.50% · 4.625%
HK$19,552
+HK$979/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,146/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,007
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,598
−HK$601/mo
Today · 4.125%
HK$20,199
baseline
▲ 0.50% · 4.625%
HK$21,428
+HK$1,229/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,398/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,145
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,712
−HK$576/mo
Today · 4.125%
HK$22,288
baseline
▲ 0.50% · 4.625%
HK$23,462
+HK$1,174/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,576/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,175
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,865
−HK$700/mo
Today · 4.125%
HK$23,565
baseline
▲ 0.50% · 4.625%
HK$24,999
+HK$1,434/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$208,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,669
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,331
−HK$671/mo
Today · 4.125%
HK$26,002
baseline
▲ 0.50% · 4.625%
HK$27,373
+HK$1,371/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$52,004/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,511
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,397
−HK$901/mo
Today · 4.125%
HK$30,298
baseline
▲ 0.50% · 4.625%
HK$32,142
+HK$1,844/mo
Deposit HK$695K · loan HK$6.25M · min. income ≈ HK$60,596/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,718
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,568
−HK$863/mo
Today · 4.125%
HK$33,431
baseline
▲ 0.50% · 4.625%
HK$35,194
+HK$1,763/mo
Deposit HK$695K · loan HK$6.25M · min. income ≈ HK$66,862/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,388 · 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).