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$15,862
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,355
−HK$502/mo
Today · 4.125%
HK$16,857
baseline
▲ 0.50% · 4.625%
HK$17,882
+HK$1,025/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,714/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,646
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,120
−HK$480/mo
Today · 4.125%
HK$18,600
baseline
▲ 0.50% · 4.625%
HK$19,580
+HK$980/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,200/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,034
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,626
−HK$602/mo
Today · 4.125%
HK$20,228
baseline
▲ 0.50% · 4.625%
HK$21,459
+HK$1,231/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,456/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,175
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,743
−HK$577/mo
Today · 4.125%
HK$22,320
baseline
▲ 0.50% · 4.625%
HK$23,496
+HK$1,176/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,640/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,207
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,897
−HK$702/mo
Today · 4.125%
HK$23,599
baseline
▲ 0.50% · 4.625%
HK$25,035
+HK$1,436/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,198/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,705
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,367
−HK$672/mo
Today · 4.125%
HK$26,039
baseline
▲ 0.50% · 4.625%
HK$27,412
+HK$1,373/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,078/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,551
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,440
−HK$902/mo
Today · 4.125%
HK$30,342
baseline
▲ 0.50% · 4.625%
HK$32,188
+HK$1,846/mo
Deposit HK$696K · loan HK$6.26M · min. income ≈ HK$60,684/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,763
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,615
−HK$864/mo
Today · 4.125%
HK$33,479
baseline
▲ 0.50% · 4.625%
HK$35,244
+HK$1,765/mo
Deposit HK$696K · loan HK$6.26M · min. income ≈ HK$66,958/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,687 · 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).