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$15,834
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,327
−HK$500/mo
Today · 4.125%
HK$16,827
baseline
▲ 0.50% · 4.625%
HK$17,851
+HK$1,024/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,654/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,616
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,088
−HK$479/mo
Today · 4.125%
HK$18,567
baseline
▲ 0.50% · 4.625%
HK$19,546
+HK$979/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,134/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,001
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,592
−HK$601/mo
Today · 4.125%
HK$20,193
baseline
▲ 0.50% · 4.625%
HK$21,421
+HK$1,228/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,386/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,139
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,706
−HK$575/mo
Today · 4.125%
HK$22,281
baseline
▲ 0.50% · 4.625%
HK$23,455
+HK$1,174/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,562/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,168
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,858
−HK$700/mo
Today · 4.125%
HK$23,558
baseline
▲ 0.50% · 4.625%
HK$24,992
+HK$1,434/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,116/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,662
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,323
−HK$671/mo
Today · 4.125%
HK$25,994
baseline
▲ 0.50% · 4.625%
HK$27,364
+HK$1,370/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$51,988/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,502
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,388
−HK$901/mo
Today · 4.125%
HK$30,289
baseline
▲ 0.50% · 4.625%
HK$32,132
+HK$1,843/mo
Deposit HK$694K · loan HK$6.25M · min. income ≈ HK$60,578/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,708
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,558
−HK$863/mo
Today · 4.125%
HK$33,421
baseline
▲ 0.50% · 4.625%
HK$35,183
+HK$1,762/mo
Deposit HK$694K · loan HK$6.25M · min. income ≈ HK$66,842/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,324 · 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).