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$15,845
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,337
−HK$501/mo
Today · 4.125%
HK$16,838
baseline
▲ 0.50% · 4.625%
HK$17,863
+HK$1,025/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,676/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,627
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,100
−HK$479/mo
Today · 4.125%
HK$18,579
baseline
▲ 0.50% · 4.625%
HK$19,559
+HK$980/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,158/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,014
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,605
−HK$601/mo
Today · 4.125%
HK$20,206
baseline
▲ 0.50% · 4.625%
HK$21,435
+HK$1,229/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,412/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,152
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,720
−HK$575/mo
Today · 4.125%
HK$22,295
baseline
▲ 0.50% · 4.625%
HK$23,470
+HK$1,175/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,590/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,182
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,872
−HK$701/mo
Today · 4.125%
HK$23,573
baseline
▲ 0.50% · 4.625%
HK$25,008
+HK$1,435/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,146/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,678
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,340
−HK$671/mo
Today · 4.125%
HK$26,011
baseline
▲ 0.50% · 4.625%
HK$27,382
+HK$1,371/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$52,022/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,520
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,407
−HK$902/mo
Today · 4.125%
HK$30,309
baseline
▲ 0.50% · 4.625%
HK$32,153
+HK$1,844/mo
Deposit HK$695K · loan HK$6.25M · min. income ≈ HK$60,618/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,729
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,579
−HK$864/mo
Today · 4.125%
HK$33,443
baseline
▲ 0.50% · 4.625%
HK$35,206
+HK$1,763/mo
Deposit HK$695K · loan HK$6.25M · min. income ≈ HK$66,886/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,459 · 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).