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$208,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,668
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,142
−HK$481/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$208,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,058
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,651
−HK$602/mo
Today · 4.125%
HK$20,253
baseline
▲ 0.50% · 4.625%
HK$21,486
+HK$1,233/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,506/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,949 · 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$208,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,235
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,926
−HK$703/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$208,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,736
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,399
−HK$673/mo
Today · 4.125%
HK$26,072
baseline
▲ 0.50% · 4.625%
HK$27,447
+HK$1,375/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,144/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,587
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,477
−HK$903/mo
Today · 4.125%
HK$30,380
baseline
▲ 0.50% · 4.625%
HK$32,229
+HK$1,849/mo
Deposit HK$696K · loan HK$6.27M · min. income ≈ HK$60,760/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,803
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,656
−HK$865/mo
Today · 4.125%
HK$33,521
baseline
▲ 0.50% · 4.625%
HK$35,288
+HK$1,767/mo
Deposit HK$696K · loan HK$6.27M · min. income ≈ HK$67,042/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,949 · 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).