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$15,823
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,315
−HK$500/mo
Today · 4.125%
HK$16,815
baseline
▲ 0.50% · 4.625%
HK$17,838
+HK$1,023/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,630/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,603
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,075
−HK$479/mo
Today · 4.125%
HK$18,554
baseline
▲ 0.50% · 4.625%
HK$19,532
+HK$978/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,108/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,987
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,578
−HK$600/mo
Today · 4.125%
HK$20,178
baseline
▲ 0.50% · 4.625%
HK$21,406
+HK$1,228/mo
Deposit HK$2.78M · loan HK$4.16M · min. income ≈ HK$40,356/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,123
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,690
−HK$574/mo
Today · 4.125%
HK$22,264
baseline
▲ 0.50% · 4.625%
HK$23,438
+HK$1,174/mo
Deposit HK$2.78M · loan HK$4.16M · min. income ≈ HK$44,528/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,152
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,841
−HK$700/mo
Today · 4.125%
HK$23,541
baseline
▲ 0.50% · 4.625%
HK$24,973
+HK$1,432/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,082/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,644
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,304
−HK$671/mo
Today · 4.125%
HK$25,975
baseline
▲ 0.50% · 4.625%
HK$27,344
+HK$1,369/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$51,950/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,481
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,367
−HK$900/mo
Today · 4.125%
HK$30,267
baseline
▲ 0.50% · 4.625%
HK$32,108
+HK$1,841/mo
Deposit HK$694K · loan HK$6.25M · min. income ≈ HK$60,534/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,685
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,534
−HK$862/mo
Today · 4.125%
HK$33,396
baseline
▲ 0.50% · 4.625%
HK$35,157
+HK$1,761/mo
Deposit HK$694K · loan HK$6.25M · min. income ≈ HK$66,792/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,170 · 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).