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$15,858
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,351
−HK$502/mo
Today · 4.125%
HK$16,853
baseline
▲ 0.50% · 4.625%
HK$17,878
+HK$1,025/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$208,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,642
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,115
−HK$480/mo
Today · 4.125%
HK$18,595
baseline
▲ 0.50% · 4.625%
HK$19,575
+HK$980/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,190/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,030
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,622
−HK$601/mo
Today · 4.125%
HK$20,223
baseline
▲ 0.50% · 4.625%
HK$21,454
+HK$1,231/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,446/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,170
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,738
−HK$576/mo
Today · 4.125%
HK$22,314
baseline
▲ 0.50% · 4.625%
HK$23,490
+HK$1,176/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,628/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,201
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,892
−HK$702/mo
Today · 4.125%
HK$23,594
baseline
▲ 0.50% · 4.625%
HK$25,029
+HK$1,435/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,188/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,699
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,361
−HK$672/mo
Today · 4.125%
HK$26,033
baseline
▲ 0.50% · 4.625%
HK$27,405
+HK$1,372/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,066/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,545
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,432
−HK$903/mo
Today · 4.125%
HK$30,335
baseline
▲ 0.50% · 4.625%
HK$32,180
+HK$1,845/mo
Deposit HK$695K · loan HK$6.26M · min. income ≈ HK$60,670/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,756
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,607
−HK$864/mo
Today · 4.125%
HK$33,471
baseline
▲ 0.50% · 4.625%
HK$35,235
+HK$1,764/mo
Deposit HK$695K · loan HK$6.26M · min. income ≈ HK$66,942/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,636 · 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).