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$15,838
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,331
−HK$500/mo
Today · 4.125%
HK$16,831
baseline
▲ 0.50% · 4.625%
HK$17,855
+HK$1,024/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,662/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,620
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,092
−HK$479/mo
Today · 4.125%
HK$18,571
baseline
▲ 0.50% · 4.625%
HK$19,550
+HK$979/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$208,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,005
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,597
−HK$600/mo
Today · 4.125%
HK$20,197
baseline
▲ 0.50% · 4.625%
HK$21,426
+HK$1,229/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,394/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,143
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,710
−HK$576/mo
Today · 4.125%
HK$22,286
baseline
▲ 0.50% · 4.625%
HK$23,460
+HK$1,174/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,572/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,173
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,863
−HK$701/mo
Today · 4.125%
HK$23,564
baseline
▲ 0.50% · 4.625%
HK$24,997
+HK$1,433/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,128/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,667
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,329
−HK$671/mo
Today · 4.125%
HK$26,000
baseline
▲ 0.50% · 4.625%
HK$27,371
+HK$1,371/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$52,000/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,508
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,395
−HK$901/mo
Today · 4.125%
HK$30,296
baseline
▲ 0.50% · 4.625%
HK$32,139
+HK$1,843/mo
Deposit HK$695K · loan HK$6.25M · min. income ≈ HK$60,592/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,715
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,566
−HK$863/mo
Today · 4.125%
HK$33,429
baseline
▲ 0.50% · 4.625%
HK$35,191
+HK$1,762/mo
Deposit HK$695K · loan HK$6.25M · min. income ≈ HK$66,858/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,371 · 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).