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$15,818
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,310
−HK$500/mo
Today · 4.125%
HK$16,810
baseline
▲ 0.50% · 4.625%
HK$17,833
+HK$1,023/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,620/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,597
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,069
−HK$479/mo
Today · 4.125%
HK$18,548
baseline
▲ 0.50% · 4.625%
HK$19,526
+HK$978/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,096/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,982
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,572
−HK$600/mo
Today · 4.125%
HK$20,172
baseline
▲ 0.50% · 4.625%
HK$21,399
+HK$1,227/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,344/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,117
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,683
−HK$575/mo
Today · 4.125%
HK$22,258
baseline
▲ 0.50% · 4.625%
HK$23,431
+HK$1,173/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,516/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,145
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,834
−HK$700/mo
Today · 4.125%
HK$23,534
baseline
▲ 0.50% · 4.625%
HK$24,966
+HK$1,432/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,068/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,636
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,297
−HK$670/mo
Today · 4.125%
HK$25,967
baseline
▲ 0.50% · 4.625%
HK$27,336
+HK$1,369/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$51,934/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,473
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,358
−HK$900/mo
Today · 4.125%
HK$30,258
baseline
▲ 0.50% · 4.625%
HK$32,099
+HK$1,841/mo
Deposit HK$694K · loan HK$6.24M · min. income ≈ HK$60,516/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,675
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,525
−HK$862/mo
Today · 4.125%
HK$33,387
baseline
▲ 0.50% · 4.625%
HK$35,147
+HK$1,760/mo
Deposit HK$694K · loan HK$6.24M · min. income ≈ HK$66,774/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,110 · 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).