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$995/mo
▼ 0.25% · 3.875%
HK$16,368
−HK$502/mo
Today · 4.125%
HK$16,870
baseline
▲ 0.50% · 4.625%
HK$17,897
+HK$1,027/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,740/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,660
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,134
−HK$481/mo
Today · 4.125%
HK$18,615
baseline
▲ 0.50% · 4.625%
HK$19,596
+HK$981/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$208,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,050
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,642
−HK$602/mo
Today · 4.125%
HK$20,244
baseline
▲ 0.50% · 4.625%
HK$21,476
+HK$1,232/mo
Deposit HK$2.78M · loan HK$4.18M · min. income ≈ HK$40,488/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,192
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,761
−HK$576/mo
Today · 4.125%
HK$22,337
baseline
▲ 0.50% · 4.625%
HK$23,515
+HK$1,178/mo
Deposit HK$2.78M · loan HK$4.18M · min. income ≈ HK$44,674/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,225
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,916
−HK$702/mo
Today · 4.125%
HK$23,618
baseline
▲ 0.50% · 4.625%
HK$25,055
+HK$1,437/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,236/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,725
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,388
−HK$672/mo
Today · 4.125%
HK$26,060
baseline
▲ 0.50% · 4.625%
HK$27,434
+HK$1,374/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,120/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,574
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,463
−HK$903/mo
Today · 4.125%
HK$30,366
baseline
▲ 0.50% · 4.625%
HK$32,214
+HK$1,848/mo
Deposit HK$696K · loan HK$6.27M · min. income ≈ HK$60,732/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,789
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,641
−HK$865/mo
Today · 4.125%
HK$33,506
baseline
▲ 0.50% · 4.625%
HK$35,272
+HK$1,766/mo
Deposit HK$696K · loan HK$6.27M · min. income ≈ HK$67,012/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,854 · 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).