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$15,870
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,364
−HK$501/mo
Today · 4.125%
HK$16,865
baseline
▲ 0.50% · 4.625%
HK$17,892
+HK$1,027/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,730/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,655
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,129
−HK$480/mo
Today · 4.125%
HK$18,609
baseline
▲ 0.50% · 4.625%
HK$19,590
+HK$981/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,218/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,044
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,637
−HK$602/mo
Today · 4.125%
HK$20,239
baseline
▲ 0.50% · 4.625%
HK$21,470
+HK$1,231/mo
Deposit HK$2.78M · loan HK$4.18M · min. income ≈ HK$40,478/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,187
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,755
−HK$576/mo
Today · 4.125%
HK$22,331
baseline
▲ 0.50% · 4.625%
HK$23,508
+HK$1,177/mo
Deposit HK$2.78M · loan HK$4.18M · min. income ≈ HK$44,662/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,218
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,909
−HK$703/mo
Today · 4.125%
HK$23,612
baseline
▲ 0.50% · 4.625%
HK$25,048
+HK$1,436/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,224/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,718
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,381
−HK$672/mo
Today · 4.125%
HK$26,053
baseline
▲ 0.50% · 4.625%
HK$27,426
+HK$1,373/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,106/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,566
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,455
−HK$903/mo
Today · 4.125%
HK$30,358
baseline
▲ 0.50% · 4.625%
HK$32,205
+HK$1,847/mo
Deposit HK$696K · loan HK$6.26M · min. income ≈ HK$60,716/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,780
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,632
−HK$865/mo
Today · 4.125%
HK$33,497
baseline
▲ 0.50% · 4.625%
HK$35,263
+HK$1,766/mo
Deposit HK$696K · loan HK$6.26M · min. income ≈ HK$66,994/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,796 · 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).