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$15,810
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,302
−HK$500/mo
Today · 4.125%
HK$16,802
baseline
▲ 0.50% · 4.625%
HK$17,824
+HK$1,022/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,604/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$208,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,589
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,061
−HK$478/mo
Today · 4.125%
HK$18,539
baseline
▲ 0.50% · 4.625%
HK$19,516
+HK$977/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,078/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$208,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,973
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,563
−HK$599/mo
Today · 4.125%
HK$20,162
baseline
▲ 0.50% · 4.625%
HK$21,389
+HK$1,227/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,324/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,107
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,673
−HK$574/mo
Today · 4.125%
HK$22,247
baseline
▲ 0.50% · 4.625%
HK$23,420
+HK$1,173/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,494/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,135
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,823
−HK$700/mo
Today · 4.125%
HK$23,523
baseline
▲ 0.50% · 4.625%
HK$24,954
+HK$1,431/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$47,046/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,625
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,285
−HK$670/mo
Today · 4.125%
HK$25,955
baseline
▲ 0.50% · 4.625%
HK$27,323
+HK$1,368/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,910/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,459
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,344
−HK$899/mo
Today · 4.125%
HK$30,243
baseline
▲ 0.50% · 4.625%
HK$32,084
+HK$1,841/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$60,486/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$208,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,660
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,509
−HK$862/mo
Today · 4.125%
HK$33,371
baseline
▲ 0.50% · 4.625%
HK$35,130
+HK$1,759/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$66,742/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$208,009 · 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).