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$15,875
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,369
−HK$502/mo
Today · 4.125%
HK$16,871
baseline
▲ 0.50% · 4.625%
HK$17,898
+HK$1,027/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,742/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,661
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,135
−HK$480/mo
Today · 4.125%
HK$18,615
baseline
▲ 0.50% · 4.625%
HK$19,597
+HK$982/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,230/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,051
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,643
−HK$602/mo
Today · 4.125%
HK$20,245
baseline
▲ 0.50% · 4.625%
HK$21,477
+HK$1,232/mo
Deposit HK$2.78M · loan HK$4.18M · min. income ≈ HK$40,490/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,193
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,762
−HK$577/mo
Today · 4.125%
HK$22,339
baseline
▲ 0.50% · 4.625%
HK$23,516
+HK$1,177/mo
Deposit HK$2.78M · loan HK$4.18M · min. income ≈ HK$44,678/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,226
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,917
−HK$702/mo
Today · 4.125%
HK$23,619
baseline
▲ 0.50% · 4.625%
HK$25,057
+HK$1,438/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,238/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,726
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,389
−HK$673/mo
Today · 4.125%
HK$26,062
baseline
▲ 0.50% · 4.625%
HK$27,435
+HK$1,373/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,124/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,576
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,465
−HK$903/mo
Today · 4.125%
HK$30,368
baseline
▲ 0.50% · 4.625%
HK$32,216
+HK$1,848/mo
Deposit HK$696K · loan HK$6.27M · min. income ≈ HK$60,736/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,790
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,643
−HK$865/mo
Today · 4.125%
HK$33,508
baseline
▲ 0.50% · 4.625%
HK$35,274
+HK$1,766/mo
Deposit HK$696K · loan HK$6.27M · min. income ≈ HK$67,016/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,864 · 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).