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$15,803
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,295
−HK$499/mo
Today · 4.125%
HK$16,794
baseline
▲ 0.50% · 4.625%
HK$17,816
+HK$1,022/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,588/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,581
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,053
−HK$478/mo
Today · 4.125%
HK$18,531
baseline
▲ 0.50% · 4.625%
HK$19,508
+HK$977/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,062/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,964
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,554
−HK$599/mo
Today · 4.125%
HK$20,153
baseline
▲ 0.50% · 4.625%
HK$21,379
+HK$1,226/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,306/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,097
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,663
−HK$574/mo
Today · 4.125%
HK$22,237
baseline
▲ 0.50% · 4.625%
HK$23,409
+HK$1,172/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,474/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,125
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,813
−HK$699/mo
Today · 4.125%
HK$23,512
baseline
▲ 0.50% · 4.625%
HK$24,943
+HK$1,431/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$47,024/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,613
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,274
−HK$669/mo
Today · 4.125%
HK$25,943
baseline
▲ 0.50% · 4.625%
HK$27,311
+HK$1,368/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,886/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,446
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,331
−HK$899/mo
Today · 4.125%
HK$30,230
baseline
▲ 0.50% · 4.625%
HK$32,069
+HK$1,839/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$60,460/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,646
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,495
−HK$861/mo
Today · 4.125%
HK$33,356
baseline
▲ 0.50% · 4.625%
HK$35,114
+HK$1,758/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$66,712/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,916 · 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).