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$15,853
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,346
−HK$501/mo
Today · 4.125%
HK$16,847
baseline
▲ 0.50% · 4.625%
HK$17,872
+HK$1,025/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,694/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,636
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,109
−HK$480/mo
Today · 4.125%
HK$18,589
baseline
▲ 0.50% · 4.625%
HK$19,569
+HK$980/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,178/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,023
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,615
−HK$601/mo
Today · 4.125%
HK$20,216
baseline
▲ 0.50% · 4.625%
HK$21,446
+HK$1,230/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,432/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,163
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,731
−HK$576/mo
Today · 4.125%
HK$22,307
baseline
▲ 0.50% · 4.625%
HK$23,482
+HK$1,175/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,614/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,194
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,884
−HK$701/mo
Today · 4.125%
HK$23,585
baseline
▲ 0.50% · 4.625%
HK$25,021
+HK$1,436/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,170/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,690
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,352
−HK$672/mo
Today · 4.125%
HK$26,024
baseline
▲ 0.50% · 4.625%
HK$27,396
+HK$1,372/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,048/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,535
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,422
−HK$902/mo
Today · 4.125%
HK$30,324
baseline
▲ 0.50% · 4.625%
HK$32,169
+HK$1,845/mo
Deposit HK$695K · loan HK$6.26M · min. income ≈ HK$60,648/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,745
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,596
−HK$864/mo
Today · 4.125%
HK$33,460
baseline
▲ 0.50% · 4.625%
HK$35,223
+HK$1,763/mo
Deposit HK$695K · loan HK$6.26M · min. income ≈ HK$66,920/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,565 · 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).