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$15,859
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,352
−HK$501/mo
Today · 4.125%
HK$16,853
baseline
▲ 0.50% · 4.625%
HK$17,879
+HK$1,026/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,706/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,643
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,116
−HK$480/mo
Today · 4.125%
HK$18,596
baseline
▲ 0.50% · 4.625%
HK$19,576
+HK$980/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,192/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,030
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,622
−HK$602/mo
Today · 4.125%
HK$20,224
baseline
▲ 0.50% · 4.625%
HK$21,454
+HK$1,230/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,448/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,171
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,739
−HK$576/mo
Today · 4.125%
HK$22,315
baseline
▲ 0.50% · 4.625%
HK$23,491
+HK$1,176/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,630/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,202
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,893
−HK$701/mo
Today · 4.125%
HK$23,594
baseline
▲ 0.50% · 4.625%
HK$25,030
+HK$1,436/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,188/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,700
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,362
−HK$672/mo
Today · 4.125%
HK$26,034
baseline
▲ 0.50% · 4.625%
HK$27,406
+HK$1,372/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,068/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,546
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,433
−HK$903/mo
Today · 4.125%
HK$30,336
baseline
▲ 0.50% · 4.625%
HK$32,181
+HK$1,845/mo
Deposit HK$695K · loan HK$6.26M · min. income ≈ HK$60,672/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,757
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,608
−HK$864/mo
Today · 4.125%
HK$33,472
baseline
▲ 0.50% · 4.625%
HK$35,237
+HK$1,765/mo
Deposit HK$695K · loan HK$6.26M · min. income ≈ HK$66,944/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,643 · 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).