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$15,832
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,325
−HK$500/mo
Today · 4.125%
HK$16,825
baseline
▲ 0.50% · 4.625%
HK$17,849
+HK$1,024/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,650/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,613
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,085
−HK$480/mo
Today · 4.125%
HK$18,565
baseline
▲ 0.50% · 4.625%
HK$19,543
+HK$978/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,130/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,998
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,589
−HK$601/mo
Today · 4.125%
HK$20,190
baseline
▲ 0.50% · 4.625%
HK$21,418
+HK$1,228/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,380/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,136
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,702
−HK$576/mo
Today · 4.125%
HK$22,278
baseline
▲ 0.50% · 4.625%
HK$23,452
+HK$1,174/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,556/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,165
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,854
−HK$701/mo
Today · 4.125%
HK$23,555
baseline
▲ 0.50% · 4.625%
HK$24,988
+HK$1,433/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,110/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,658
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,320
−HK$670/mo
Today · 4.125%
HK$25,990
baseline
▲ 0.50% · 4.625%
HK$27,360
+HK$1,370/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$51,980/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,498
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,384
−HK$901/mo
Today · 4.125%
HK$30,285
baseline
▲ 0.50% · 4.625%
HK$32,128
+HK$1,843/mo
Deposit HK$694K · loan HK$6.25M · min. income ≈ HK$60,570/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,703
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,554
−HK$862/mo
Today · 4.125%
HK$33,416
baseline
▲ 0.50% · 4.625%
HK$35,178
+HK$1,762/mo
Deposit HK$694K · loan HK$6.25M · min. income ≈ HK$66,832/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,294 · 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).