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$15,825
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,317
−HK$500/mo
Today · 4.125%
HK$16,817
baseline
▲ 0.50% · 4.625%
HK$17,841
+HK$1,024/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$208,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,605
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,077
−HK$479/mo
Today · 4.125%
HK$18,556
baseline
▲ 0.50% · 4.625%
HK$19,534
+HK$978/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,112/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,990
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,581
−HK$600/mo
Today · 4.125%
HK$20,181
baseline
▲ 0.50% · 4.625%
HK$21,409
+HK$1,228/mo
Deposit HK$2.78M · loan HK$4.16M · min. income ≈ HK$40,362/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,126
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,693
−HK$575/mo
Today · 4.125%
HK$22,268
baseline
▲ 0.50% · 4.625%
HK$23,441
+HK$1,173/mo
Deposit HK$2.78M · loan HK$4.16M · min. income ≈ HK$44,536/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,155
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,844
−HK$700/mo
Today · 4.125%
HK$23,544
baseline
▲ 0.50% · 4.625%
HK$24,977
+HK$1,433/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,088/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,647
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,308
−HK$671/mo
Today · 4.125%
HK$25,979
baseline
▲ 0.50% · 4.625%
HK$27,348
+HK$1,369/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$51,958/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,485
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,371
−HK$900/mo
Today · 4.125%
HK$30,271
baseline
▲ 0.50% · 4.625%
HK$32,113
+HK$1,842/mo
Deposit HK$694K · loan HK$6.25M · min. income ≈ HK$60,542/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,689
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,539
−HK$862/mo
Today · 4.125%
HK$33,401
baseline
▲ 0.50% · 4.625%
HK$35,162
+HK$1,761/mo
Deposit HK$694K · loan HK$6.25M · min. income ≈ HK$66,802/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,201 · 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).