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$15,869
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,363
−HK$501/mo
Today · 4.125%
HK$16,864
baseline
▲ 0.50% · 4.625%
HK$17,890
+HK$1,026/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,728/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,654
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,128
−HK$480/mo
Today · 4.125%
HK$18,608
baseline
▲ 0.50% · 4.625%
HK$19,589
+HK$981/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,216/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,043
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,635
−HK$602/mo
Today · 4.125%
HK$20,237
baseline
▲ 0.50% · 4.625%
HK$21,469
+HK$1,232/mo
Deposit HK$2.78M · loan HK$4.18M · min. income ≈ HK$40,474/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,185
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,753
−HK$577/mo
Today · 4.125%
HK$22,330
baseline
▲ 0.50% · 4.625%
HK$23,507
+HK$1,177/mo
Deposit HK$2.78M · loan HK$4.18M · min. income ≈ HK$44,660/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,217
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,908
−HK$702/mo
Today · 4.125%
HK$23,610
baseline
▲ 0.50% · 4.625%
HK$25,047
+HK$1,437/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,220/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,716
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,379
−HK$672/mo
Today · 4.125%
HK$26,051
baseline
▲ 0.50% · 4.625%
HK$27,425
+HK$1,374/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,102/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,565
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,453
−HK$903/mo
Today · 4.125%
HK$30,356
baseline
▲ 0.50% · 4.625%
HK$32,203
+HK$1,847/mo
Deposit HK$696K · loan HK$6.26M · min. income ≈ HK$60,712/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,778
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,630
−HK$865/mo
Today · 4.125%
HK$33,495
baseline
▲ 0.50% · 4.625%
HK$35,260
+HK$1,765/mo
Deposit HK$696K · loan HK$6.26M · min. income ≈ HK$66,990/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,782 · 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).