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$15,837
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,329
−HK$501/mo
Today · 4.125%
HK$16,830
baseline
▲ 0.50% · 4.625%
HK$17,854
+HK$1,024/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,660/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,618
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,091
−HK$479/mo
Today · 4.125%
HK$18,570
baseline
▲ 0.50% · 4.625%
HK$19,549
+HK$979/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,140/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,004
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,595
−HK$601/mo
Today · 4.125%
HK$20,196
baseline
▲ 0.50% · 4.625%
HK$21,425
+HK$1,229/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,392/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,142
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,709
−HK$575/mo
Today · 4.125%
HK$22,284
baseline
▲ 0.50% · 4.625%
HK$23,459
+HK$1,175/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,568/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,171
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,861
−HK$701/mo
Today · 4.125%
HK$23,562
baseline
▲ 0.50% · 4.625%
HK$24,995
+HK$1,433/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,124/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,665
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,327
−HK$671/mo
Today · 4.125%
HK$25,998
baseline
▲ 0.50% · 4.625%
HK$27,368
+HK$1,370/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$51,996/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,506
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,393
−HK$901/mo
Today · 4.125%
HK$30,294
baseline
▲ 0.50% · 4.625%
HK$32,137
+HK$1,843/mo
Deposit HK$695K · loan HK$6.25M · min. income ≈ HK$60,588/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,713
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,563
−HK$863/mo
Today · 4.125%
HK$33,426
baseline
▲ 0.50% · 4.625%
HK$35,188
+HK$1,762/mo
Deposit HK$695K · loan HK$6.25M · min. income ≈ HK$66,852/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,355 · 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).