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$15,855
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,349
−HK$501/mo
Today · 4.125%
HK$16,850
baseline
▲ 0.50% · 4.625%
HK$17,875
+HK$1,025/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,700/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,639
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,112
−HK$480/mo
Today · 4.125%
HK$18,592
baseline
▲ 0.50% · 4.625%
HK$19,572
+HK$980/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,184/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,026
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,618
−HK$602/mo
Today · 4.125%
HK$20,220
baseline
▲ 0.50% · 4.625%
HK$21,450
+HK$1,230/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,440/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,167
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,734
−HK$576/mo
Today · 4.125%
HK$22,310
baseline
▲ 0.50% · 4.625%
HK$23,486
+HK$1,176/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,620/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,198
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,888
−HK$702/mo
Today · 4.125%
HK$23,590
baseline
▲ 0.50% · 4.625%
HK$25,025
+HK$1,435/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,180/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,695
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,357
−HK$672/mo
Today · 4.125%
HK$26,029
baseline
▲ 0.50% · 4.625%
HK$27,401
+HK$1,372/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,058/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,540
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,427
−HK$902/mo
Today · 4.125%
HK$30,329
baseline
▲ 0.50% · 4.625%
HK$32,175
+HK$1,846/mo
Deposit HK$695K · loan HK$6.26M · min. income ≈ HK$60,658/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,750
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,602
−HK$864/mo
Today · 4.125%
HK$33,466
baseline
▲ 0.50% · 4.625%
HK$35,230
+HK$1,764/mo
Deposit HK$695K · loan HK$6.26M · min. income ≈ HK$66,932/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,601 · 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).