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$15,813
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,305
−HK$499/mo
Today · 4.125%
HK$16,804
baseline
▲ 0.50% · 4.625%
HK$17,827
+HK$1,023/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$208,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,592
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,063
−HK$479/mo
Today · 4.125%
HK$18,542
baseline
▲ 0.50% · 4.625%
HK$19,519
+HK$977/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,084/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,975
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,566
−HK$599/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$208,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,110
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,676
−HK$574/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$208,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,138
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,827
−HK$699/mo
Today · 4.125%
HK$23,526
baseline
▲ 0.50% · 4.625%
HK$24,958
+HK$1,432/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$47,052/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,628
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,289
−HK$670/mo
Today · 4.125%
HK$25,959
baseline
▲ 0.50% · 4.625%
HK$27,327
+HK$1,368/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,918/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,463
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,348
−HK$900/mo
Today · 4.125%
HK$30,248
baseline
▲ 0.50% · 4.625%
HK$32,088
+HK$1,840/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$60,496/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,665
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,514
−HK$862/mo
Today · 4.125%
HK$33,376
baseline
▲ 0.50% · 4.625%
HK$35,135
+HK$1,759/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$66,752/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,040 · 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).