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$15,847
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,340
−HK$500/mo
Today · 4.125%
HK$16,840
baseline
▲ 0.50% · 4.625%
HK$17,865
+HK$1,025/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$208,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,629
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,102
−HK$480/mo
Today · 4.125%
HK$18,582
baseline
▲ 0.50% · 4.625%
HK$19,561
+HK$979/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,164/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,016
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,607
−HK$601/mo
Today · 4.125%
HK$20,208
baseline
▲ 0.50% · 4.625%
HK$21,438
+HK$1,230/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$208,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,155
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,722
−HK$576/mo
Today · 4.125%
HK$22,298
baseline
▲ 0.50% · 4.625%
HK$23,473
+HK$1,175/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,596/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,185
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,875
−HK$702/mo
Today · 4.125%
HK$23,577
baseline
▲ 0.50% · 4.625%
HK$25,011
+HK$1,434/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,154/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,681
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,343
−HK$671/mo
Today · 4.125%
HK$26,014
baseline
▲ 0.50% · 4.625%
HK$27,386
+HK$1,372/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$52,028/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,524
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,411
−HK$902/mo
Today · 4.125%
HK$30,313
baseline
▲ 0.50% · 4.625%
HK$32,157
+HK$1,844/mo
Deposit HK$695K · loan HK$6.25M · min. income ≈ HK$60,626/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,733
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,584
−HK$863/mo
Today · 4.125%
HK$33,447
baseline
▲ 0.50% · 4.625%
HK$35,210
+HK$1,763/mo
Deposit HK$695K · loan HK$6.25M · min. income ≈ HK$66,894/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,485 · 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).