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$15,886
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,380
−HK$502/mo
Today · 4.125%
HK$16,882
baseline
▲ 0.50% · 4.625%
HK$17,909
+HK$1,027/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,764/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$209,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,673
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,147
−HK$481/mo
Today · 4.125%
HK$18,628
baseline
▲ 0.50% · 4.625%
HK$19,609
+HK$981/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,256/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$209,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,063
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,656
−HK$602/mo
Today · 4.125%
HK$20,258
baseline
▲ 0.50% · 4.625%
HK$21,491
+HK$1,233/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,516/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,207
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,776
−HK$577/mo
Today · 4.125%
HK$22,353
baseline
▲ 0.50% · 4.625%
HK$23,531
+HK$1,178/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,706/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,240
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,932
−HK$703/mo
Today · 4.125%
HK$23,635
baseline
▲ 0.50% · 4.625%
HK$25,073
+HK$1,438/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,270/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,742
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,405
−HK$674/mo
Today · 4.125%
HK$26,079
baseline
▲ 0.50% · 4.625%
HK$27,453
+HK$1,374/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,158/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,594
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,484
−HK$903/mo
Today · 4.125%
HK$30,387
baseline
▲ 0.50% · 4.625%
HK$32,236
+HK$1,849/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$60,774/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,811
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,664
−HK$866/mo
Today · 4.125%
HK$33,530
baseline
▲ 0.50% · 4.625%
HK$35,297
+HK$1,767/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$67,060/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,000 · 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).