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$15,818
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,310
−HK$500/mo
Today · 4.125%
HK$16,810
baseline
▲ 0.50% · 4.625%
HK$17,833
+HK$1,023/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,620/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,598
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,070
−HK$479/mo
Today · 4.125%
HK$18,549
baseline
▲ 0.50% · 4.625%
HK$19,526
+HK$977/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,098/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,982
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,573
−HK$599/mo
Today · 4.125%
HK$20,172
baseline
▲ 0.50% · 4.625%
HK$21,400
+HK$1,228/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,344/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,117
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,684
−HK$574/mo
Today · 4.125%
HK$22,258
baseline
▲ 0.50% · 4.625%
HK$23,432
+HK$1,174/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,516/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,146
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,835
−HK$699/mo
Today · 4.125%
HK$23,534
baseline
▲ 0.50% · 4.625%
HK$24,967
+HK$1,433/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,068/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,637
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,298
−HK$670/mo
Today · 4.125%
HK$25,968
baseline
▲ 0.50% · 4.625%
HK$27,337
+HK$1,369/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$51,936/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,473
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,359
−HK$900/mo
Today · 4.125%
HK$30,259
baseline
▲ 0.50% · 4.625%
HK$32,100
+HK$1,841/mo
Deposit HK$694K · loan HK$6.24M · min. income ≈ HK$60,518/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,676
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,526
−HK$861/mo
Today · 4.125%
HK$33,387
baseline
▲ 0.50% · 4.625%
HK$35,147
+HK$1,760/mo
Deposit HK$694K · loan HK$6.24M · min. income ≈ HK$66,774/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,114 · 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).