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$15,857
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,350
−HK$501/mo
Today · 4.125%
HK$16,851
baseline
▲ 0.50% · 4.625%
HK$17,876
+HK$1,025/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,702/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,640
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,114
−HK$480/mo
Today · 4.125%
HK$18,594
baseline
▲ 0.50% · 4.625%
HK$19,574
+HK$980/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,188/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,028
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,620
−HK$601/mo
Today · 4.125%
HK$20,221
baseline
▲ 0.50% · 4.625%
HK$21,452
+HK$1,231/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,442/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,169
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,736
−HK$576/mo
Today · 4.125%
HK$22,312
baseline
▲ 0.50% · 4.625%
HK$23,488
+HK$1,176/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,624/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,199
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,890
−HK$702/mo
Today · 4.125%
HK$23,592
baseline
▲ 0.50% · 4.625%
HK$25,027
+HK$1,435/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,184/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,697
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,359
−HK$672/mo
Today · 4.125%
HK$26,031
baseline
▲ 0.50% · 4.625%
HK$27,403
+HK$1,372/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,062/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,542
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,430
−HK$902/mo
Today · 4.125%
HK$30,332
baseline
▲ 0.50% · 4.625%
HK$32,178
+HK$1,846/mo
Deposit HK$695K · loan HK$6.26M · min. income ≈ HK$60,664/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,753
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,604
−HK$864/mo
Today · 4.125%
HK$33,468
baseline
▲ 0.50% · 4.625%
HK$35,233
+HK$1,765/mo
Deposit HK$695K · loan HK$6.26M · min. income ≈ HK$66,936/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,619 · 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).