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$15,827
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,319
−HK$500/mo
Today · 4.125%
HK$16,819
baseline
▲ 0.50% · 4.625%
HK$17,843
+HK$1,024/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,638/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,607
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,080
−HK$479/mo
Today · 4.125%
HK$18,559
baseline
▲ 0.50% · 4.625%
HK$19,537
+HK$978/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,118/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,992
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,583
−HK$600/mo
Today · 4.125%
HK$20,183
baseline
▲ 0.50% · 4.625%
HK$21,411
+HK$1,228/mo
Deposit HK$2.78M · loan HK$4.16M · min. income ≈ HK$40,366/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,129
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,695
−HK$575/mo
Today · 4.125%
HK$22,270
baseline
▲ 0.50% · 4.625%
HK$23,444
+HK$1,174/mo
Deposit HK$2.78M · loan HK$4.16M · min. income ≈ HK$44,540/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,158
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,847
−HK$700/mo
Today · 4.125%
HK$23,547
baseline
▲ 0.50% · 4.625%
HK$24,980
+HK$1,433/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,094/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,650
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,311
−HK$671/mo
Today · 4.125%
HK$25,982
baseline
▲ 0.50% · 4.625%
HK$27,352
+HK$1,370/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$51,964/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,489
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,375
−HK$900/mo
Today · 4.125%
HK$30,275
baseline
▲ 0.50% · 4.625%
HK$32,117
+HK$1,842/mo
Deposit HK$694K · loan HK$6.25M · min. income ≈ HK$60,550/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,693
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,543
−HK$863/mo
Today · 4.125%
HK$33,406
baseline
▲ 0.50% · 4.625%
HK$35,166
+HK$1,760/mo
Deposit HK$694K · loan HK$6.25M · min. income ≈ HK$66,812/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,227 · 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).