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$15,816
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,308
−HK$500/mo
Today · 4.125%
HK$16,808
baseline
▲ 0.50% · 4.625%
HK$17,831
+HK$1,023/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,616/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,595
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,067
−HK$479/mo
Today · 4.125%
HK$18,546
baseline
▲ 0.50% · 4.625%
HK$19,524
+HK$978/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,092/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,980
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,570
−HK$600/mo
Today · 4.125%
HK$20,170
baseline
▲ 0.50% · 4.625%
HK$21,397
+HK$1,227/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,340/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,115
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,681
−HK$574/mo
Today · 4.125%
HK$22,255
baseline
▲ 0.50% · 4.625%
HK$23,428
+HK$1,173/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,510/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,143
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,832
−HK$699/mo
Today · 4.125%
HK$23,531
baseline
▲ 0.50% · 4.625%
HK$24,963
+HK$1,432/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,062/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,634
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,294
−HK$671/mo
Today · 4.125%
HK$25,965
baseline
▲ 0.50% · 4.625%
HK$27,333
+HK$1,368/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$51,930/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,469
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,355
−HK$900/mo
Today · 4.125%
HK$30,255
baseline
▲ 0.50% · 4.625%
HK$32,096
+HK$1,841/mo
Deposit HK$694K · loan HK$6.24M · min. income ≈ HK$60,510/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,672
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,521
−HK$862/mo
Today · 4.125%
HK$33,383
baseline
▲ 0.50% · 4.625%
HK$35,143
+HK$1,760/mo
Deposit HK$694K · loan HK$6.24M · min. income ≈ HK$66,766/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,087 · 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).