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$15,817
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,309
−HK$500/mo
Today · 4.125%
HK$16,809
baseline
▲ 0.50% · 4.625%
HK$17,831
+HK$1,022/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,618/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,596
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,068
−HK$479/mo
Today · 4.125%
HK$18,547
baseline
▲ 0.50% · 4.625%
HK$19,524
+HK$977/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,094/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,980
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,571
−HK$599/mo
Today · 4.125%
HK$20,170
baseline
▲ 0.50% · 4.625%
HK$21,398
+HK$1,228/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,340/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,115
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,682
−HK$574/mo
Today · 4.125%
HK$22,256
baseline
▲ 0.50% · 4.625%
HK$23,429
+HK$1,173/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,512/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,144
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,832
−HK$700/mo
Today · 4.125%
HK$23,532
baseline
▲ 0.50% · 4.625%
HK$24,964
+HK$1,432/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,064/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,634
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,295
−HK$670/mo
Today · 4.125%
HK$25,965
baseline
▲ 0.50% · 4.625%
HK$27,334
+HK$1,369/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$51,930/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,470
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,356
−HK$900/mo
Today · 4.125%
HK$30,256
baseline
▲ 0.50% · 4.625%
HK$32,097
+HK$1,841/mo
Deposit HK$694K · loan HK$6.24M · min. income ≈ HK$60,512/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,673
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,522
−HK$862/mo
Today · 4.125%
HK$33,384
baseline
▲ 0.50% · 4.625%
HK$35,144
+HK$1,760/mo
Deposit HK$694K · loan HK$6.24M · min. income ≈ HK$66,768/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,093 · 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).