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$15,873
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,367
−HK$501/mo
Today · 4.125%
HK$16,868
baseline
▲ 0.50% · 4.625%
HK$17,895
+HK$1,027/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,736/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,658
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,132
−HK$480/mo
Today · 4.125%
HK$18,612
baseline
▲ 0.50% · 4.625%
HK$19,593
+HK$981/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,224/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,047
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,640
−HK$602/mo
Today · 4.125%
HK$20,242
baseline
▲ 0.50% · 4.625%
HK$21,473
+HK$1,231/mo
Deposit HK$2.78M · loan HK$4.18M · min. income ≈ HK$40,484/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,190
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,758
−HK$577/mo
Today · 4.125%
HK$22,335
baseline
▲ 0.50% · 4.625%
HK$23,512
+HK$1,177/mo
Deposit HK$2.78M · loan HK$4.18M · min. income ≈ HK$44,670/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,222
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,913
−HK$702/mo
Today · 4.125%
HK$23,615
baseline
▲ 0.50% · 4.625%
HK$25,052
+HK$1,437/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,230/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,722
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,385
−HK$672/mo
Today · 4.125%
HK$26,057
baseline
▲ 0.50% · 4.625%
HK$27,431
+HK$1,374/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,114/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,571
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,460
−HK$903/mo
Today · 4.125%
HK$30,363
baseline
▲ 0.50% · 4.625%
HK$32,210
+HK$1,847/mo
Deposit HK$696K · loan HK$6.26M · min. income ≈ HK$60,726/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,785
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,637
−HK$865/mo
Today · 4.125%
HK$33,502
baseline
▲ 0.50% · 4.625%
HK$35,268
+HK$1,766/mo
Deposit HK$696K · loan HK$6.26M · min. income ≈ HK$67,004/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,829 · 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).