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$15,809
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,301
−HK$500/mo
Today · 4.125%
HK$16,801
baseline
▲ 0.50% · 4.625%
HK$17,823
+HK$1,022/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,602/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,588
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,060
−HK$478/mo
Today · 4.125%
HK$18,538
baseline
▲ 0.50% · 4.625%
HK$19,515
+HK$977/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,076/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,971
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,561
−HK$600/mo
Today · 4.125%
HK$20,161
baseline
▲ 0.50% · 4.625%
HK$21,388
+HK$1,227/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,322/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,105
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,672
−HK$574/mo
Today · 4.125%
HK$22,246
baseline
▲ 0.50% · 4.625%
HK$23,418
+HK$1,172/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,492/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,133
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,822
−HK$699/mo
Today · 4.125%
HK$23,521
baseline
▲ 0.50% · 4.625%
HK$24,952
+HK$1,431/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$47,042/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,623
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,283
−HK$670/mo
Today · 4.125%
HK$25,953
baseline
▲ 0.50% · 4.625%
HK$27,321
+HK$1,368/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,906/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,457
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,342
−HK$900/mo
Today · 4.125%
HK$30,242
baseline
▲ 0.50% · 4.625%
HK$32,082
+HK$1,840/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$60,484/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,658
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,507
−HK$862/mo
Today · 4.125%
HK$33,369
baseline
▲ 0.50% · 4.625%
HK$35,127
+HK$1,758/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$66,738/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,997 · 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).