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$15,817
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,309
−HK$500/mo
Today · 4.125%
HK$16,809
baseline
▲ 0.50% · 4.625%
HK$17,832
+HK$1,023/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,618/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,596
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,068
−HK$479/mo
Today · 4.125%
HK$18,547
baseline
▲ 0.50% · 4.625%
HK$19,525
+HK$978/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,094/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,981
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,571
−HK$600/mo
Today · 4.125%
HK$20,171
baseline
▲ 0.50% · 4.625%
HK$21,398
+HK$1,227/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,342/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,116
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,682
−HK$575/mo
Today · 4.125%
HK$22,257
baseline
▲ 0.50% · 4.625%
HK$23,430
+HK$1,173/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,514/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,144
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,833
−HK$700/mo
Today · 4.125%
HK$23,533
baseline
▲ 0.50% · 4.625%
HK$24,965
+HK$1,432/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,066/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,635
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,296
−HK$670/mo
Today · 4.125%
HK$25,966
baseline
▲ 0.50% · 4.625%
HK$27,335
+HK$1,369/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$51,932/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,471
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,357
−HK$899/mo
Today · 4.125%
HK$30,256
baseline
▲ 0.50% · 4.625%
HK$32,097
+HK$1,841/mo
Deposit HK$694K · loan HK$6.24M · min. income ≈ HK$60,512/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,674
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,523
−HK$862/mo
Today · 4.125%
HK$33,385
baseline
▲ 0.50% · 4.625%
HK$35,145
+HK$1,760/mo
Deposit HK$694K · loan HK$6.24M · min. income ≈ HK$66,770/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,098 · 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).