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$15,841
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,334
−HK$500/mo
Today · 4.125%
HK$16,834
baseline
▲ 0.50% · 4.625%
HK$17,859
+HK$1,025/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,668/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,623
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,096
−HK$479/mo
Today · 4.125%
HK$18,575
baseline
▲ 0.50% · 4.625%
HK$19,554
+HK$979/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,150/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,009
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,600
−HK$601/mo
Today · 4.125%
HK$20,201
baseline
▲ 0.50% · 4.625%
HK$21,430
+HK$1,229/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,402/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,148
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,715
−HK$575/mo
Today · 4.125%
HK$22,290
baseline
▲ 0.50% · 4.625%
HK$23,465
+HK$1,175/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,580/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,177
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,867
−HK$701/mo
Today · 4.125%
HK$23,568
baseline
▲ 0.50% · 4.625%
HK$25,002
+HK$1,434/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,136/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,672
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,334
−HK$671/mo
Today · 4.125%
HK$26,005
baseline
▲ 0.50% · 4.625%
HK$27,376
+HK$1,371/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$52,010/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,514
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,401
−HK$901/mo
Today · 4.125%
HK$30,302
baseline
▲ 0.50% · 4.625%
HK$32,146
+HK$1,844/mo
Deposit HK$695K · loan HK$6.25M · min. income ≈ HK$60,604/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,721
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,572
−HK$863/mo
Today · 4.125%
HK$33,435
baseline
▲ 0.50% · 4.625%
HK$35,197
+HK$1,762/mo
Deposit HK$695K · loan HK$6.25M · min. income ≈ HK$66,870/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,411 · 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).