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$15,882
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,376
−HK$502/mo
Today · 4.125%
HK$16,878
baseline
▲ 0.50% · 4.625%
HK$17,905
+HK$1,027/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,756/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,669
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,143
−HK$480/mo
Today · 4.125%
HK$18,623
baseline
▲ 0.50% · 4.625%
HK$19,605
+HK$982/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,246/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,059
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,651
−HK$603/mo
Today · 4.125%
HK$20,254
baseline
▲ 0.50% · 4.625%
HK$21,486
+HK$1,232/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,508/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,202
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,771
−HK$577/mo
Today · 4.125%
HK$22,348
baseline
▲ 0.50% · 4.625%
HK$23,526
+HK$1,178/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,696/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,235
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,927
−HK$702/mo
Today · 4.125%
HK$23,629
baseline
▲ 0.50% · 4.625%
HK$25,067
+HK$1,438/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,258/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,736
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,400
−HK$673/mo
Today · 4.125%
HK$26,073
baseline
▲ 0.50% · 4.625%
HK$27,447
+HK$1,374/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,146/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,588
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,477
−HK$904/mo
Today · 4.125%
HK$30,381
baseline
▲ 0.50% · 4.625%
HK$32,229
+HK$1,848/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$60,762/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,804
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,657
−HK$865/mo
Today · 4.125%
HK$33,522
baseline
▲ 0.50% · 4.625%
HK$35,289
+HK$1,767/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$67,044/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,952 · 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).