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$15,865
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,358
−HK$502/mo
Today · 4.125%
HK$16,860
baseline
▲ 0.50% · 4.625%
HK$17,886
+HK$1,026/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,720/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,650
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,123
−HK$480/mo
Today · 4.125%
HK$18,603
baseline
▲ 0.50% · 4.625%
HK$19,584
+HK$981/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,206/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,038
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,630
−HK$602/mo
Today · 4.125%
HK$20,232
baseline
▲ 0.50% · 4.625%
HK$21,463
+HK$1,231/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,464/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,180
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,748
−HK$576/mo
Today · 4.125%
HK$22,324
baseline
▲ 0.50% · 4.625%
HK$23,501
+HK$1,177/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,648/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,211
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,902
−HK$702/mo
Today · 4.125%
HK$23,604
baseline
▲ 0.50% · 4.625%
HK$25,040
+HK$1,436/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,208/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,709
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,372
−HK$672/mo
Today · 4.125%
HK$26,044
baseline
▲ 0.50% · 4.625%
HK$27,417
+HK$1,373/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,088/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,557
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,445
−HK$903/mo
Today · 4.125%
HK$30,348
baseline
▲ 0.50% · 4.625%
HK$32,194
+HK$1,846/mo
Deposit HK$696K · loan HK$6.26M · min. income ≈ HK$60,696/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,769
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,621
−HK$865/mo
Today · 4.125%
HK$33,486
baseline
▲ 0.50% · 4.625%
HK$35,251
+HK$1,765/mo
Deposit HK$696K · loan HK$6.26M · min. income ≈ HK$66,972/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,727 · 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).