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$15,866
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,360
−HK$501/mo
Today · 4.125%
HK$16,861
baseline
▲ 0.50% · 4.625%
HK$17,887
+HK$1,026/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,722/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,651
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,125
−HK$480/mo
Today · 4.125%
HK$18,605
baseline
▲ 0.50% · 4.625%
HK$19,585
+HK$980/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,210/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,040
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,632
−HK$602/mo
Today · 4.125%
HK$20,234
baseline
▲ 0.50% · 4.625%
HK$21,465
+HK$1,231/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,468/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,181
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,749
−HK$577/mo
Today · 4.125%
HK$22,326
baseline
▲ 0.50% · 4.625%
HK$23,503
+HK$1,177/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,652/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,213
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,904
−HK$702/mo
Today · 4.125%
HK$23,606
baseline
▲ 0.50% · 4.625%
HK$25,042
+HK$1,436/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,212/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,712
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,374
−HK$673/mo
Today · 4.125%
HK$26,047
baseline
▲ 0.50% · 4.625%
HK$27,420
+HK$1,373/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,094/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,559
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,448
−HK$902/mo
Today · 4.125%
HK$30,350
baseline
▲ 0.50% · 4.625%
HK$32,197
+HK$1,847/mo
Deposit HK$696K · loan HK$6.26M · min. income ≈ HK$60,700/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,772
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,624
−HK$865/mo
Today · 4.125%
HK$33,489
baseline
▲ 0.50% · 4.625%
HK$35,254
+HK$1,765/mo
Deposit HK$696K · loan HK$6.26M · min. income ≈ HK$66,978/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,745 · 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).