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$15,869
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,362
−HK$502/mo
Today · 4.125%
HK$16,864
baseline
▲ 0.50% · 4.625%
HK$17,890
+HK$1,026/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,728/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,654
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,127
−HK$480/mo
Today · 4.125%
HK$18,607
baseline
▲ 0.50% · 4.625%
HK$19,588
+HK$981/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,214/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,042
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,635
−HK$601/mo
Today · 4.125%
HK$20,236
baseline
▲ 0.50% · 4.625%
HK$21,468
+HK$1,232/mo
Deposit HK$2.78M · loan HK$4.18M · min. income ≈ HK$40,472/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,184
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,752
−HK$577/mo
Today · 4.125%
HK$22,329
baseline
▲ 0.50% · 4.625%
HK$23,506
+HK$1,177/mo
Deposit HK$2.78M · loan HK$4.18M · min. income ≈ HK$44,658/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,216
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,907
−HK$702/mo
Today · 4.125%
HK$23,609
baseline
▲ 0.50% · 4.625%
HK$25,046
+HK$1,437/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,218/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,715
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,378
−HK$672/mo
Today · 4.125%
HK$26,050
baseline
▲ 0.50% · 4.625%
HK$27,423
+HK$1,373/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,100/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,563
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,452
−HK$903/mo
Today · 4.125%
HK$30,355
baseline
▲ 0.50% · 4.625%
HK$32,202
+HK$1,847/mo
Deposit HK$696K · loan HK$6.26M · min. income ≈ HK$60,710/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,776
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,629
−HK$864/mo
Today · 4.125%
HK$33,493
baseline
▲ 0.50% · 4.625%
HK$35,259
+HK$1,766/mo
Deposit HK$696K · loan HK$6.26M · min. income ≈ HK$66,986/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,773 · 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).