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$15,881
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,375
−HK$502/mo
Today · 4.125%
HK$16,877
baseline
▲ 0.50% · 4.625%
HK$17,904
+HK$1,027/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,754/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,667
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,141
−HK$481/mo
Today · 4.125%
HK$18,622
baseline
▲ 0.50% · 4.625%
HK$19,603
+HK$981/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,244/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,057
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,650
−HK$602/mo
Today · 4.125%
HK$20,252
baseline
▲ 0.50% · 4.625%
HK$21,484
+HK$1,232/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,504/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,201
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,769
−HK$577/mo
Today · 4.125%
HK$22,346
baseline
▲ 0.50% · 4.625%
HK$23,524
+HK$1,178/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,692/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,233
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,925
−HK$703/mo
Today · 4.125%
HK$23,628
baseline
▲ 0.50% · 4.625%
HK$25,065
+HK$1,437/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,256/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,734
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,398
−HK$673/mo
Today · 4.125%
HK$26,071
baseline
▲ 0.50% · 4.625%
HK$27,445
+HK$1,374/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,142/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,586
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,475
−HK$903/mo
Today · 4.125%
HK$30,378
baseline
▲ 0.50% · 4.625%
HK$32,227
+HK$1,849/mo
Deposit HK$696K · loan HK$6.27M · min. income ≈ HK$60,756/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,801
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,654
−HK$865/mo
Today · 4.125%
HK$33,519
baseline
▲ 0.50% · 4.625%
HK$35,286
+HK$1,767/mo
Deposit HK$696K · loan HK$6.27M · min. income ≈ HK$67,038/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,937 · 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).