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$15,809
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,300
−HK$500/mo
Today · 4.125%
HK$16,800
baseline
▲ 0.50% · 4.625%
HK$17,822
+HK$1,022/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,600/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,587
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,059
−HK$478/mo
Today · 4.125%
HK$18,537
baseline
▲ 0.50% · 4.625%
HK$19,514
+HK$977/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,074/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,970
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,560
−HK$600/mo
Today · 4.125%
HK$20,160
baseline
▲ 0.50% · 4.625%
HK$21,387
+HK$1,227/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,320/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,104
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,670
−HK$574/mo
Today · 4.125%
HK$22,244
baseline
▲ 0.50% · 4.625%
HK$23,417
+HK$1,173/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,488/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,132
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,820
−HK$700/mo
Today · 4.125%
HK$23,520
baseline
▲ 0.50% · 4.625%
HK$24,951
+HK$1,431/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$47,040/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,622
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,282
−HK$670/mo
Today · 4.125%
HK$25,952
baseline
▲ 0.50% · 4.625%
HK$27,320
+HK$1,368/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,904/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,455
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,340
−HK$900/mo
Today · 4.125%
HK$30,240
baseline
▲ 0.50% · 4.625%
HK$32,080
+HK$1,840/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$60,480/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,656
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,505
−HK$862/mo
Today · 4.125%
HK$33,367
baseline
▲ 0.50% · 4.625%
HK$35,125
+HK$1,758/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$66,734/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,984 · 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).