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$15,863
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,357
−HK$501/mo
Today · 4.125%
HK$16,858
baseline
▲ 0.50% · 4.625%
HK$17,884
+HK$1,026/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,716/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,648
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,121
−HK$480/mo
Today · 4.125%
HK$18,601
baseline
▲ 0.50% · 4.625%
HK$19,582
+HK$981/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,202/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,036
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,628
−HK$602/mo
Today · 4.125%
HK$20,230
baseline
▲ 0.50% · 4.625%
HK$21,461
+HK$1,231/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,460/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,177
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,745
−HK$576/mo
Today · 4.125%
HK$22,321
baseline
▲ 0.50% · 4.625%
HK$23,498
+HK$1,177/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,642/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,209
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,899
−HK$702/mo
Today · 4.125%
HK$23,601
baseline
▲ 0.50% · 4.625%
HK$25,037
+HK$1,436/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,202/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,707
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,369
−HK$673/mo
Today · 4.125%
HK$26,042
baseline
▲ 0.50% · 4.625%
HK$27,414
+HK$1,372/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,084/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,554
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,442
−HK$902/mo
Today · 4.125%
HK$30,344
baseline
▲ 0.50% · 4.625%
HK$32,191
+HK$1,847/mo
Deposit HK$696K · loan HK$6.26M · min. income ≈ HK$60,688/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,766
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,618
−HK$864/mo
Today · 4.125%
HK$33,482
baseline
▲ 0.50% · 4.625%
HK$35,247
+HK$1,765/mo
Deposit HK$696K · loan HK$6.26M · min. income ≈ HK$66,964/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,704 · 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).