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$16,326
−HK$501/mo
Today · 4.125%
HK$16,827
baseline
▲ 0.50% · 4.625%
HK$17,850
+HK$1,023/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$208,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,615
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,087
−HK$480/mo
Today · 4.125%
HK$18,567
baseline
▲ 0.50% · 4.625%
HK$19,545
+HK$978/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$208,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,000
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,591
−HK$601/mo
Today · 4.125%
HK$20,192
baseline
▲ 0.50% · 4.625%
HK$21,421
+HK$1,229/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,384/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,138
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,705
−HK$575/mo
Today · 4.125%
HK$22,280
baseline
▲ 0.50% · 4.625%
HK$23,454
+HK$1,174/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,560/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,167
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,857
−HK$700/mo
Today · 4.125%
HK$23,557
baseline
▲ 0.50% · 4.625%
HK$24,991
+HK$1,434/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,114/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,661
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,322
−HK$671/mo
Today · 4.125%
HK$25,993
baseline
▲ 0.50% · 4.625%
HK$27,363
+HK$1,370/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$51,986/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,501
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,387
−HK$901/mo
Today · 4.125%
HK$30,288
baseline
▲ 0.50% · 4.625%
HK$32,131
+HK$1,843/mo
Deposit HK$694K · loan HK$6.25M · min. income ≈ HK$60,576/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,707
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,557
−HK$863/mo
Today · 4.125%
HK$33,420
baseline
▲ 0.50% · 4.625%
HK$35,181
+HK$1,761/mo
Deposit HK$694K · loan HK$6.25M · min. income ≈ HK$66,840/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,315 · 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).