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$993/mo
▼ 0.25% · 3.875%
HK$16,320
−HK$500/mo
Today · 4.125%
HK$16,820
baseline
▲ 0.50% · 4.625%
HK$17,843
+HK$1,023/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,640/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,608
−HK$951/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$208,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,993
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,584
−HK$600/mo
Today · 4.125%
HK$20,184
baseline
▲ 0.50% · 4.625%
HK$21,412
+HK$1,228/mo
Deposit HK$2.78M · loan HK$4.16M · min. income ≈ HK$40,368/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,129
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,696
−HK$575/mo
Today · 4.125%
HK$22,271
baseline
▲ 0.50% · 4.625%
HK$23,445
+HK$1,174/mo
Deposit HK$2.78M · loan HK$4.16M · min. income ≈ HK$44,542/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,158
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,848
−HK$700/mo
Today · 4.125%
HK$23,548
baseline
▲ 0.50% · 4.625%
HK$24,981
+HK$1,433/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,096/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,651
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,312
−HK$671/mo
Today · 4.125%
HK$25,983
baseline
▲ 0.50% · 4.625%
HK$27,352
+HK$1,369/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$51,966/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,489
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,375
−HK$901/mo
Today · 4.125%
HK$30,276
baseline
▲ 0.50% · 4.625%
HK$32,118
+HK$1,842/mo
Deposit HK$694K · loan HK$6.25M · min. income ≈ HK$60,552/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,694
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,544
−HK$862/mo
Today · 4.125%
HK$33,406
baseline
▲ 0.50% · 4.625%
HK$35,167
+HK$1,761/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$208,232 · 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).