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$15,843
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,335
−HK$501/mo
Today · 4.125%
HK$16,836
baseline
▲ 0.50% · 4.625%
HK$17,860
+HK$1,024/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,672/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,625
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,097
−HK$480/mo
Today · 4.125%
HK$18,577
baseline
▲ 0.50% · 4.625%
HK$19,556
+HK$979/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,154/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,011
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,602
−HK$601/mo
Today · 4.125%
HK$20,203
baseline
▲ 0.50% · 4.625%
HK$21,433
+HK$1,230/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,406/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,150
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,717
−HK$575/mo
Today · 4.125%
HK$22,292
baseline
▲ 0.50% · 4.625%
HK$23,467
+HK$1,175/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,584/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,180
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,869
−HK$701/mo
Today · 4.125%
HK$23,570
baseline
▲ 0.50% · 4.625%
HK$25,005
+HK$1,435/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,140/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,675
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,336
−HK$672/mo
Today · 4.125%
HK$26,008
baseline
▲ 0.50% · 4.625%
HK$27,379
+HK$1,371/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$52,016/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,517
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,404
−HK$901/mo
Today · 4.125%
HK$30,305
baseline
▲ 0.50% · 4.625%
HK$32,149
+HK$1,844/mo
Deposit HK$695K · loan HK$6.25M · min. income ≈ HK$60,610/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,724
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,575
−HK$863/mo
Today · 4.125%
HK$33,438
baseline
▲ 0.50% · 4.625%
HK$35,201
+HK$1,763/mo
Deposit HK$695K · loan HK$6.25M · min. income ≈ HK$66,876/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,432 · 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).