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$15,828
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,320
−HK$501/mo
Today · 4.125%
HK$16,821
baseline
▲ 0.50% · 4.625%
HK$17,844
+HK$1,023/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,642/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,609
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,081
−HK$479/mo
Today · 4.125%
HK$18,560
baseline
▲ 0.50% · 4.625%
HK$19,538
+HK$978/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,120/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,994
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,585
−HK$600/mo
Today · 4.125%
HK$20,185
baseline
▲ 0.50% · 4.625%
HK$21,413
+HK$1,228/mo
Deposit HK$2.78M · loan HK$4.16M · min. income ≈ HK$40,370/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,130
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,697
−HK$575/mo
Today · 4.125%
HK$22,272
baseline
▲ 0.50% · 4.625%
HK$23,446
+HK$1,174/mo
Deposit HK$2.78M · loan HK$4.16M · min. income ≈ HK$44,544/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,159
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,849
−HK$700/mo
Today · 4.125%
HK$23,549
baseline
▲ 0.50% · 4.625%
HK$24,982
+HK$1,433/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,098/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,652
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,313
−HK$671/mo
Today · 4.125%
HK$25,984
baseline
▲ 0.50% · 4.625%
HK$27,354
+HK$1,370/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$51,968/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,491
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,377
−HK$900/mo
Today · 4.125%
HK$30,277
baseline
▲ 0.50% · 4.625%
HK$32,119
+HK$1,842/mo
Deposit HK$694K · loan HK$6.25M · min. income ≈ HK$60,554/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,695
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,546
−HK$862/mo
Today · 4.125%
HK$33,408
baseline
▲ 0.50% · 4.625%
HK$35,169
+HK$1,761/mo
Deposit HK$694K · loan HK$6.25M · min. income ≈ HK$66,816/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,242 · 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).