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$15,844
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,337
−HK$501/mo
Today · 4.125%
HK$16,838
baseline
▲ 0.50% · 4.625%
HK$17,862
+HK$1,024/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,676/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,626
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,099
−HK$480/mo
Today · 4.125%
HK$18,579
baseline
▲ 0.50% · 4.625%
HK$19,558
+HK$979/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,158/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,013
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,604
−HK$601/mo
Today · 4.125%
HK$20,205
baseline
▲ 0.50% · 4.625%
HK$21,435
+HK$1,230/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,410/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,152
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,719
−HK$575/mo
Today · 4.125%
HK$22,294
baseline
▲ 0.50% · 4.625%
HK$23,469
+HK$1,175/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,588/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,182
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,872
−HK$701/mo
Today · 4.125%
HK$23,573
baseline
▲ 0.50% · 4.625%
HK$25,007
+HK$1,434/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,146/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,677
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,339
−HK$671/mo
Today · 4.125%
HK$26,010
baseline
▲ 0.50% · 4.625%
HK$27,381
+HK$1,371/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$52,020/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,519
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,406
−HK$902/mo
Today · 4.125%
HK$30,308
baseline
▲ 0.50% · 4.625%
HK$32,152
+HK$1,844/mo
Deposit HK$695K · loan HK$6.25M · min. income ≈ HK$60,616/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,727
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,578
−HK$863/mo
Today · 4.125%
HK$33,441
baseline
▲ 0.50% · 4.625%
HK$35,204
+HK$1,763/mo
Deposit HK$695K · loan HK$6.25M · min. income ≈ HK$66,882/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,451 · 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).