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$16,330
−HK$500/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$208,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,619
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,091
−HK$480/mo
Today · 4.125%
HK$18,571
baseline
▲ 0.50% · 4.625%
HK$19,549
+HK$978/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,142/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,005
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,596
−HK$600/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$208,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,142
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,709
−HK$576/mo
Today · 4.125%
HK$22,285
baseline
▲ 0.50% · 4.625%
HK$23,459
+HK$1,174/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,570/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,172
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,862
−HK$700/mo
Today · 4.125%
HK$23,562
baseline
▲ 0.50% · 4.625%
HK$24,996
+HK$1,434/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$208,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,666
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,328
−HK$671/mo
Today · 4.125%
HK$25,999
baseline
▲ 0.50% · 4.625%
HK$27,369
+HK$1,370/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$51,998/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,507
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,394
−HK$900/mo
Today · 4.125%
HK$30,294
baseline
▲ 0.50% · 4.625%
HK$32,138
+HK$1,844/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$208,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,714
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,564
−HK$863/mo
Today · 4.125%
HK$33,427
baseline
▲ 0.50% · 4.625%
HK$35,189
+HK$1,762/mo
Deposit HK$695K · loan HK$6.25M · min. income ≈ HK$66,854/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,360 · 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).