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$15,815
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,307
−HK$499/mo
Today · 4.125%
HK$16,806
baseline
▲ 0.50% · 4.625%
HK$17,829
+HK$1,023/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,612/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,594
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,065
−HK$479/mo
Today · 4.125%
HK$18,544
baseline
▲ 0.50% · 4.625%
HK$19,522
+HK$978/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,088/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,978
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,568
−HK$600/mo
Today · 4.125%
HK$20,168
baseline
▲ 0.50% · 4.625%
HK$21,395
+HK$1,227/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,336/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,112
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,679
−HK$574/mo
Today · 4.125%
HK$22,253
baseline
▲ 0.50% · 4.625%
HK$23,426
+HK$1,173/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,506/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,140
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,829
−HK$700/mo
Today · 4.125%
HK$23,529
baseline
▲ 0.50% · 4.625%
HK$24,961
+HK$1,432/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$47,058/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,631
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,292
−HK$670/mo
Today · 4.125%
HK$25,962
baseline
▲ 0.50% · 4.625%
HK$27,330
+HK$1,368/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,924/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,466
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,352
−HK$899/mo
Today · 4.125%
HK$30,251
baseline
▲ 0.50% · 4.625%
HK$32,092
+HK$1,841/mo
Deposit HK$694K · loan HK$6.24M · min. income ≈ HK$60,502/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,668
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,518
−HK$861/mo
Today · 4.125%
HK$33,379
baseline
▲ 0.50% · 4.625%
HK$35,139
+HK$1,760/mo
Deposit HK$694K · loan HK$6.24M · min. income ≈ HK$66,758/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,064 · 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).