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$15,847
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,340
−HK$501/mo
Today · 4.125%
HK$16,841
baseline
▲ 0.50% · 4.625%
HK$17,866
+HK$1,025/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,682/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,630
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,103
−HK$480/mo
Today · 4.125%
HK$18,583
baseline
▲ 0.50% · 4.625%
HK$19,562
+HK$979/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,166/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,017
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,608
−HK$601/mo
Today · 4.125%
HK$20,209
baseline
▲ 0.50% · 4.625%
HK$21,439
+HK$1,230/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,418/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,156
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,723
−HK$576/mo
Today · 4.125%
HK$22,299
baseline
▲ 0.50% · 4.625%
HK$23,475
+HK$1,176/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,598/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,186
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,876
−HK$702/mo
Today · 4.125%
HK$23,578
baseline
▲ 0.50% · 4.625%
HK$25,012
+HK$1,434/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,156/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,682
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,344
−HK$672/mo
Today · 4.125%
HK$26,016
baseline
▲ 0.50% · 4.625%
HK$27,387
+HK$1,371/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$52,032/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,525
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,413
−HK$901/mo
Today · 4.125%
HK$30,314
baseline
▲ 0.50% · 4.625%
HK$32,159
+HK$1,845/mo
Deposit HK$695K · loan HK$6.25M · min. income ≈ HK$60,628/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,734
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,585
−HK$864/mo
Today · 4.125%
HK$33,449
baseline
▲ 0.50% · 4.625%
HK$35,212
+HK$1,763/mo
Deposit HK$695K · loan HK$6.25M · min. income ≈ HK$66,898/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,496 · 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).