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$15,820
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,312
−HK$500/mo
Today · 4.125%
HK$16,812
baseline
▲ 0.50% · 4.625%
HK$17,835
+HK$1,023/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,624/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,600
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,072
−HK$479/mo
Today · 4.125%
HK$18,551
baseline
▲ 0.50% · 4.625%
HK$19,528
+HK$977/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,102/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,984
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,575
−HK$600/mo
Today · 4.125%
HK$20,175
baseline
▲ 0.50% · 4.625%
HK$21,402
+HK$1,227/mo
Deposit HK$2.78M · loan HK$4.16M · min. income ≈ HK$40,350/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,120
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,686
−HK$575/mo
Today · 4.125%
HK$22,261
baseline
▲ 0.50% · 4.625%
HK$23,434
+HK$1,173/mo
Deposit HK$2.78M · loan HK$4.16M · min. income ≈ HK$44,522/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,148
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,837
−HK$700/mo
Today · 4.125%
HK$23,537
baseline
▲ 0.50% · 4.625%
HK$24,969
+HK$1,432/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,074/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,640
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,300
−HK$671/mo
Today · 4.125%
HK$25,971
baseline
▲ 0.50% · 4.625%
HK$27,340
+HK$1,369/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$51,942/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,476
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,362
−HK$900/mo
Today · 4.125%
HK$30,262
baseline
▲ 0.50% · 4.625%
HK$32,103
+HK$1,841/mo
Deposit HK$694K · loan HK$6.24M · min. income ≈ HK$60,524/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,679
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,529
−HK$862/mo
Today · 4.125%
HK$33,391
baseline
▲ 0.50% · 4.625%
HK$35,151
+HK$1,760/mo
Deposit HK$694K · loan HK$6.24M · min. income ≈ HK$66,782/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,137 · 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).