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$15,833
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,325
−HK$501/mo
Today · 4.125%
HK$16,826
baseline
▲ 0.50% · 4.625%
HK$17,849
+HK$1,023/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,652/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,614
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,086
−HK$479/mo
Today · 4.125%
HK$18,565
baseline
▲ 0.50% · 4.625%
HK$19,544
+HK$979/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,130/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,999
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,590
−HK$601/mo
Today · 4.125%
HK$20,191
baseline
▲ 0.50% · 4.625%
HK$21,419
+HK$1,228/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,382/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,137
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,703
−HK$575/mo
Today · 4.125%
HK$22,278
baseline
▲ 0.50% · 4.625%
HK$23,453
+HK$1,175/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,556/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,166
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,855
−HK$701/mo
Today · 4.125%
HK$23,556
baseline
▲ 0.50% · 4.625%
HK$24,989
+HK$1,433/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,112/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,659
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,321
−HK$671/mo
Today · 4.125%
HK$25,992
baseline
▲ 0.50% · 4.625%
HK$27,362
+HK$1,370/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$51,984/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,499
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,385
−HK$901/mo
Today · 4.125%
HK$30,286
baseline
▲ 0.50% · 4.625%
HK$32,129
+HK$1,843/mo
Deposit HK$694K · loan HK$6.25M · min. income ≈ HK$60,572/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,705
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,555
−HK$863/mo
Today · 4.125%
HK$33,418
baseline
▲ 0.50% · 4.625%
HK$35,179
+HK$1,761/mo
Deposit HK$694K · loan HK$6.25M · min. income ≈ HK$66,836/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,303 · 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).