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$15,830
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,322
−HK$501/mo
Today · 4.125%
HK$16,823
baseline
▲ 0.50% · 4.625%
HK$17,846
+HK$1,023/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,646/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,611
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,083
−HK$479/mo
Today · 4.125%
HK$18,562
baseline
▲ 0.50% · 4.625%
HK$19,540
+HK$978/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,124/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,996
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,587
−HK$600/mo
Today · 4.125%
HK$20,187
baseline
▲ 0.50% · 4.625%
HK$21,415
+HK$1,228/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,374/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,133
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,699
−HK$575/mo
Today · 4.125%
HK$22,274
baseline
▲ 0.50% · 4.625%
HK$23,448
+HK$1,174/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,548/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,162
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,851
−HK$701/mo
Today · 4.125%
HK$23,552
baseline
▲ 0.50% · 4.625%
HK$24,985
+HK$1,433/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,104/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,655
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,316
−HK$671/mo
Today · 4.125%
HK$25,987
baseline
▲ 0.50% · 4.625%
HK$27,357
+HK$1,370/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$51,974/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,494
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,380
−HK$901/mo
Today · 4.125%
HK$30,281
baseline
▲ 0.50% · 4.625%
HK$32,123
+HK$1,842/mo
Deposit HK$694K · loan HK$6.25M · min. income ≈ HK$60,562/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,699
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,549
−HK$863/mo
Today · 4.125%
HK$33,412
baseline
▲ 0.50% · 4.625%
HK$35,173
+HK$1,761/mo
Deposit HK$694K · loan HK$6.25M · min. income ≈ HK$66,824/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,264 · 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).