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$15,824
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,316
−HK$501/mo
Today · 4.125%
HK$16,817
baseline
▲ 0.50% · 4.625%
HK$17,840
+HK$1,023/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,634/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,604
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,076
−HK$479/mo
Today · 4.125%
HK$18,555
baseline
▲ 0.50% · 4.625%
HK$19,533
+HK$978/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,110/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,989
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,580
−HK$600/mo
Today · 4.125%
HK$20,180
baseline
▲ 0.50% · 4.625%
HK$21,408
+HK$1,228/mo
Deposit HK$2.78M · loan HK$4.16M · min. income ≈ HK$40,360/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,125
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,692
−HK$574/mo
Today · 4.125%
HK$22,266
baseline
▲ 0.50% · 4.625%
HK$23,440
+HK$1,174/mo
Deposit HK$2.78M · loan HK$4.16M · min. income ≈ HK$44,532/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,154
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,843
−HK$700/mo
Today · 4.125%
HK$23,543
baseline
▲ 0.50% · 4.625%
HK$24,976
+HK$1,433/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,086/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,646
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,307
−HK$671/mo
Today · 4.125%
HK$25,978
baseline
▲ 0.50% · 4.625%
HK$27,347
+HK$1,369/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$51,956/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,484
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,370
−HK$900/mo
Today · 4.125%
HK$30,270
baseline
▲ 0.50% · 4.625%
HK$32,112
+HK$1,842/mo
Deposit HK$694K · loan HK$6.25M · min. income ≈ HK$60,540/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,688
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,538
−HK$862/mo
Today · 4.125%
HK$33,400
baseline
▲ 0.50% · 4.625%
HK$35,160
+HK$1,760/mo
Deposit HK$694K · loan HK$6.25M · min. income ≈ HK$66,800/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,191 · 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).