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$15,806
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,298
−HK$499/mo
Today · 4.125%
HK$16,797
baseline
▲ 0.50% · 4.625%
HK$17,819
+HK$1,022/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,594/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,584
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,056
−HK$478/mo
Today · 4.125%
HK$18,534
baseline
▲ 0.50% · 4.625%
HK$19,511
+HK$977/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,068/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,967
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,557
−HK$600/mo
Today · 4.125%
HK$20,157
baseline
▲ 0.50% · 4.625%
HK$21,383
+HK$1,226/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,314/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,101
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,667
−HK$574/mo
Today · 4.125%
HK$22,241
baseline
▲ 0.50% · 4.625%
HK$23,413
+HK$1,172/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,482/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,129
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,817
−HK$699/mo
Today · 4.125%
HK$23,516
baseline
▲ 0.50% · 4.625%
HK$24,947
+HK$1,431/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$47,032/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,618
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,278
−HK$670/mo
Today · 4.125%
HK$25,948
baseline
▲ 0.50% · 4.625%
HK$27,316
+HK$1,368/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,896/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,451
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,336
−HK$899/mo
Today · 4.125%
HK$30,235
baseline
▲ 0.50% · 4.625%
HK$32,075
+HK$1,840/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$60,470/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,651
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,500
−HK$861/mo
Today · 4.125%
HK$33,361
baseline
▲ 0.50% · 4.625%
HK$35,120
+HK$1,759/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$66,722/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,952 · 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).