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$15,854
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,347
−HK$501/mo
Today · 4.125%
HK$16,848
baseline
▲ 0.50% · 4.625%
HK$17,873
+HK$1,025/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,696/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,637
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,110
−HK$480/mo
Today · 4.125%
HK$18,590
baseline
▲ 0.50% · 4.625%
HK$19,570
+HK$980/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,180/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,024
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,616
−HK$601/mo
Today · 4.125%
HK$20,217
baseline
▲ 0.50% · 4.625%
HK$21,447
+HK$1,230/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,434/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,164
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,732
−HK$576/mo
Today · 4.125%
HK$22,308
baseline
▲ 0.50% · 4.625%
HK$23,484
+HK$1,176/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,616/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,195
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,885
−HK$702/mo
Today · 4.125%
HK$23,587
baseline
▲ 0.50% · 4.625%
HK$25,022
+HK$1,435/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,174/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,692
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,354
−HK$672/mo
Today · 4.125%
HK$26,026
baseline
▲ 0.50% · 4.625%
HK$27,398
+HK$1,372/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,052/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,536
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,424
−HK$902/mo
Today · 4.125%
HK$30,326
baseline
▲ 0.50% · 4.625%
HK$32,171
+HK$1,845/mo
Deposit HK$695K · loan HK$6.26M · min. income ≈ HK$60,652/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,746
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,598
−HK$864/mo
Today · 4.125%
HK$33,462
baseline
▲ 0.50% · 4.625%
HK$35,225
+HK$1,763/mo
Deposit HK$695K · loan HK$6.26M · min. income ≈ HK$66,924/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,576 · 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).