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$16,294
−HK$500/mo
Today · 4.125%
HK$16,794
baseline
▲ 0.50% · 4.625%
HK$17,815
+HK$1,021/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$207,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,580
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,052
−HK$478/mo
Today · 4.125%
HK$18,530
baseline
▲ 0.50% · 4.625%
HK$19,507
+HK$977/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,060/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,963
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,553
−HK$599/mo
Today · 4.125%
HK$20,152
baseline
▲ 0.50% · 4.625%
HK$21,379
+HK$1,227/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,304/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,096
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,662
−HK$574/mo
Today · 4.125%
HK$22,236
baseline
▲ 0.50% · 4.625%
HK$23,408
+HK$1,172/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,472/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,124
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,812
−HK$699/mo
Today · 4.125%
HK$23,511
baseline
▲ 0.50% · 4.625%
HK$24,942
+HK$1,431/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$47,022/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,612
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,273
−HK$669/mo
Today · 4.125%
HK$25,942
baseline
▲ 0.50% · 4.625%
HK$27,310
+HK$1,368/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,884/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,445
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,330
−HK$899/mo
Today · 4.125%
HK$30,229
baseline
▲ 0.50% · 4.625%
HK$32,068
+HK$1,839/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$60,458/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,645
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,493
−HK$861/mo
Today · 4.125%
HK$33,354
baseline
▲ 0.50% · 4.625%
HK$35,112
+HK$1,758/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$66,708/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,907 · 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).