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$15,815
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,307
−HK$500/mo
Today · 4.125%
HK$16,807
baseline
▲ 0.50% · 4.625%
HK$17,830
+HK$1,023/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,614/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,594
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,066
−HK$479/mo
Today · 4.125%
HK$18,545
baseline
▲ 0.50% · 4.625%
HK$19,522
+HK$977/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,090/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,978
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,569
−HK$599/mo
Today · 4.125%
HK$20,168
baseline
▲ 0.50% · 4.625%
HK$21,396
+HK$1,228/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,336/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,113
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,679
−HK$575/mo
Today · 4.125%
HK$22,254
baseline
▲ 0.50% · 4.625%
HK$23,427
+HK$1,173/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,508/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,141
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,830
−HK$700/mo
Today · 4.125%
HK$23,530
baseline
▲ 0.50% · 4.625%
HK$24,962
+HK$1,432/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,060/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,632
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,293
−HK$670/mo
Today · 4.125%
HK$25,963
baseline
▲ 0.50% · 4.625%
HK$27,331
+HK$1,368/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$51,926/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,467
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,353
−HK$900/mo
Today · 4.125%
HK$30,253
baseline
▲ 0.50% · 4.625%
HK$32,093
+HK$1,840/mo
Deposit HK$694K · loan HK$6.24M · min. income ≈ HK$60,506/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,670
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,519
−HK$862/mo
Today · 4.125%
HK$33,381
baseline
▲ 0.50% · 4.625%
HK$35,140
+HK$1,759/mo
Deposit HK$694K · loan HK$6.24M · min. income ≈ HK$66,762/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,072 · 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).