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$15,879
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,372
−HK$502/mo
Today · 4.125%
HK$16,874
baseline
▲ 0.50% · 4.625%
HK$17,901
+HK$1,027/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,748/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,665
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,139
−HK$480/mo
Today · 4.125%
HK$18,619
baseline
▲ 0.50% · 4.625%
HK$19,601
+HK$982/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,238/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,054
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,647
−HK$602/mo
Today · 4.125%
HK$20,249
baseline
▲ 0.50% · 4.625%
HK$21,481
+HK$1,232/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,498/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,198
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,766
−HK$577/mo
Today · 4.125%
HK$22,343
baseline
▲ 0.50% · 4.625%
HK$23,521
+HK$1,178/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,686/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,230
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,921
−HK$703/mo
Today · 4.125%
HK$23,624
baseline
▲ 0.50% · 4.625%
HK$25,061
+HK$1,437/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,248/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,731
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,394
−HK$673/mo
Today · 4.125%
HK$26,067
baseline
▲ 0.50% · 4.625%
HK$27,441
+HK$1,374/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,134/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,581
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,470
−HK$904/mo
Today · 4.125%
HK$30,374
baseline
▲ 0.50% · 4.625%
HK$32,222
+HK$1,848/mo
Deposit HK$696K · loan HK$6.27M · min. income ≈ HK$60,748/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,797
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,649
−HK$865/mo
Today · 4.125%
HK$33,514
baseline
▲ 0.50% · 4.625%
HK$35,281
+HK$1,767/mo
Deposit HK$696K · loan HK$6.27M · min. income ≈ HK$67,028/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,906 · 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).