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$15,855
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,348
−HK$501/mo
Today · 4.125%
HK$16,849
baseline
▲ 0.50% · 4.625%
HK$17,874
+HK$1,025/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,698/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,638
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,111
−HK$480/mo
Today · 4.125%
HK$18,591
baseline
▲ 0.50% · 4.625%
HK$19,571
+HK$980/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,182/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,026
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,617
−HK$602/mo
Today · 4.125%
HK$20,219
baseline
▲ 0.50% · 4.625%
HK$21,449
+HK$1,230/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,438/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,166
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,733
−HK$576/mo
Today · 4.125%
HK$22,309
baseline
▲ 0.50% · 4.625%
HK$23,485
+HK$1,176/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,618/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,196
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,887
−HK$701/mo
Today · 4.125%
HK$23,588
baseline
▲ 0.50% · 4.625%
HK$25,024
+HK$1,436/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,176/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,693
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,356
−HK$671/mo
Today · 4.125%
HK$26,027
baseline
▲ 0.50% · 4.625%
HK$27,399
+HK$1,372/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,054/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,538
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,426
−HK$902/mo
Today · 4.125%
HK$30,328
baseline
▲ 0.50% · 4.625%
HK$32,173
+HK$1,845/mo
Deposit HK$695K · loan HK$6.26M · min. income ≈ HK$60,656/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,749
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,600
−HK$864/mo
Today · 4.125%
HK$33,464
baseline
▲ 0.50% · 4.625%
HK$35,228
+HK$1,764/mo
Deposit HK$695K · loan HK$6.26M · min. income ≈ HK$66,928/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,590 · 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).