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$15,835
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,328
−HK$500/mo
Today · 4.125%
HK$16,828
baseline
▲ 0.50% · 4.625%
HK$17,852
+HK$1,024/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,656/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,616
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,089
−HK$479/mo
Today · 4.125%
HK$18,568
baseline
▲ 0.50% · 4.625%
HK$19,547
+HK$979/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,136/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,002
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,593
−HK$601/mo
Today · 4.125%
HK$20,194
baseline
▲ 0.50% · 4.625%
HK$21,423
+HK$1,229/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,388/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,140
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,707
−HK$575/mo
Today · 4.125%
HK$22,282
baseline
▲ 0.50% · 4.625%
HK$23,456
+HK$1,174/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,564/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,169
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,859
−HK$700/mo
Today · 4.125%
HK$23,559
baseline
▲ 0.50% · 4.625%
HK$24,993
+HK$1,434/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,118/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,663
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,325
−HK$671/mo
Today · 4.125%
HK$25,996
baseline
▲ 0.50% · 4.625%
HK$27,366
+HK$1,370/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$51,992/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,503
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,390
−HK$901/mo
Today · 4.125%
HK$30,291
baseline
▲ 0.50% · 4.625%
HK$32,134
+HK$1,843/mo
Deposit HK$694K · loan HK$6.25M · min. income ≈ HK$60,582/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,710
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,560
−HK$863/mo
Today · 4.125%
HK$33,423
baseline
▲ 0.50% · 4.625%
HK$35,185
+HK$1,762/mo
Deposit HK$694K · loan HK$6.25M · min. income ≈ HK$66,846/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,335 · 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).