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$15,874
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,368
−HK$501/mo
Today · 4.125%
HK$16,869
baseline
▲ 0.50% · 4.625%
HK$17,896
+HK$1,027/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,738/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,659
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,133
−HK$481/mo
Today · 4.125%
HK$18,614
baseline
▲ 0.50% · 4.625%
HK$19,595
+HK$981/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,228/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,049
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,641
−HK$602/mo
Today · 4.125%
HK$20,243
baseline
▲ 0.50% · 4.625%
HK$21,475
+HK$1,232/mo
Deposit HK$2.78M · loan HK$4.18M · min. income ≈ HK$40,486/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,191
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,760
−HK$576/mo
Today · 4.125%
HK$22,336
baseline
▲ 0.50% · 4.625%
HK$23,514
+HK$1,178/mo
Deposit HK$2.78M · loan HK$4.18M · min. income ≈ HK$44,672/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,223
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,915
−HK$702/mo
Today · 4.125%
HK$23,617
baseline
▲ 0.50% · 4.625%
HK$25,054
+HK$1,437/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,234/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,723
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,386
−HK$673/mo
Today · 4.125%
HK$26,059
baseline
▲ 0.50% · 4.625%
HK$27,433
+HK$1,374/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,118/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,573
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,462
−HK$903/mo
Today · 4.125%
HK$30,365
baseline
▲ 0.50% · 4.625%
HK$32,212
+HK$1,847/mo
Deposit HK$696K · loan HK$6.27M · min. income ≈ HK$60,730/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,787
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,639
−HK$865/mo
Today · 4.125%
HK$33,504
baseline
▲ 0.50% · 4.625%
HK$35,270
+HK$1,766/mo
Deposit HK$696K · loan HK$6.27M · min. income ≈ HK$67,008/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,843 · 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).