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$15,846
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,339
−HK$501/mo
Today · 4.125%
HK$16,840
baseline
▲ 0.50% · 4.625%
HK$17,864
+HK$1,024/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,680/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,629
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,101
−HK$480/mo
Today · 4.125%
HK$18,581
baseline
▲ 0.50% · 4.625%
HK$19,560
+HK$979/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,162/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,015
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,607
−HK$601/mo
Today · 4.125%
HK$20,208
baseline
▲ 0.50% · 4.625%
HK$21,437
+HK$1,229/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,416/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,154
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,722
−HK$575/mo
Today · 4.125%
HK$22,297
baseline
▲ 0.50% · 4.625%
HK$23,473
+HK$1,176/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,594/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,185
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,875
−HK$701/mo
Today · 4.125%
HK$23,576
baseline
▲ 0.50% · 4.625%
HK$25,010
+HK$1,434/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,152/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,680
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,342
−HK$671/mo
Today · 4.125%
HK$26,013
baseline
▲ 0.50% · 4.625%
HK$27,385
+HK$1,372/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$52,026/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,523
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,410
−HK$902/mo
Today · 4.125%
HK$30,312
baseline
▲ 0.50% · 4.625%
HK$32,156
+HK$1,844/mo
Deposit HK$695K · loan HK$6.25M · min. income ≈ HK$60,624/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,732
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,583
−HK$863/mo
Today · 4.125%
HK$33,446
baseline
▲ 0.50% · 4.625%
HK$35,209
+HK$1,763/mo
Deposit HK$695K · loan HK$6.25M · min. income ≈ HK$66,892/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,478 · 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).