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$993/mo
▼ 0.25% · 3.875%
HK$16,313
−HK$500/mo
Today · 4.125%
HK$16,813
baseline
▲ 0.50% · 4.625%
HK$17,836
+HK$1,023/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,626/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,141 · 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$19,529
+HK$978/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$208,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,985
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,575
−HK$600/mo
Today · 4.125%
HK$20,175
baseline
▲ 0.50% · 4.625%
HK$21,403
+HK$1,228/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$208,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,120
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,687
−HK$574/mo
Today · 4.125%
HK$22,261
baseline
▲ 0.50% · 4.625%
HK$23,435
+HK$1,174/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$208,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,149
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,838
−HK$700/mo
Today · 4.125%
HK$23,538
baseline
▲ 0.50% · 4.625%
HK$24,970
+HK$1,432/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,076/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,640
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,301
−HK$670/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$208,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,477
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,363
−HK$900/mo
Today · 4.125%
HK$30,263
baseline
▲ 0.50% · 4.625%
HK$32,104
+HK$1,841/mo
Deposit HK$694K · loan HK$6.24M · min. income ≈ HK$60,526/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,680
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,530
−HK$862/mo
Today · 4.125%
HK$33,392
baseline
▲ 0.50% · 4.625%
HK$35,152
+HK$1,760/mo
Deposit HK$694K · loan HK$6.24M · min. income ≈ HK$66,784/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,141 · 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).