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$15,880
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,374
−HK$501/mo
Today · 4.125%
HK$16,875
baseline
▲ 0.50% · 4.625%
HK$17,902
+HK$1,027/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,750/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,666
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,140
−HK$480/mo
Today · 4.125%
HK$18,620
baseline
▲ 0.50% · 4.625%
HK$19,602
+HK$982/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,240/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,055
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,648
−HK$602/mo
Today · 4.125%
HK$20,250
baseline
▲ 0.50% · 4.625%
HK$21,483
+HK$1,233/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,500/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,199
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,768
−HK$576/mo
Today · 4.125%
HK$22,344
baseline
▲ 0.50% · 4.625%
HK$23,522
+HK$1,178/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,688/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,231
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,923
−HK$703/mo
Today · 4.125%
HK$23,626
baseline
▲ 0.50% · 4.625%
HK$25,063
+HK$1,437/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,252/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,732
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,396
−HK$672/mo
Today · 4.125%
HK$26,068
baseline
▲ 0.50% · 4.625%
HK$27,443
+HK$1,375/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,136/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,583
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,472
−HK$904/mo
Today · 4.125%
HK$30,376
baseline
▲ 0.50% · 4.625%
HK$32,224
+HK$1,848/mo
Deposit HK$696K · loan HK$6.27M · min. income ≈ HK$60,752/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,799
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,651
−HK$866/mo
Today · 4.125%
HK$33,517
baseline
▲ 0.50% · 4.625%
HK$35,283
+HK$1,766/mo
Deposit HK$696K · loan HK$6.27M · min. income ≈ HK$67,034/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,919 · 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).