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$15,876
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,370
−HK$502/mo
Today · 4.125%
HK$16,872
baseline
▲ 0.50% · 4.625%
HK$17,898
+HK$1,026/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,744/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,662
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,136
−HK$480/mo
Today · 4.125%
HK$18,616
baseline
▲ 0.50% · 4.625%
HK$19,598
+HK$982/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,232/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,051
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,644
−HK$602/mo
Today · 4.125%
HK$20,246
baseline
▲ 0.50% · 4.625%
HK$21,478
+HK$1,232/mo
Deposit HK$2.78M · loan HK$4.18M · min. income ≈ HK$40,492/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,194
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,763
−HK$577/mo
Today · 4.125%
HK$22,340
baseline
▲ 0.50% · 4.625%
HK$23,517
+HK$1,177/mo
Deposit HK$2.78M · loan HK$4.18M · min. income ≈ HK$44,680/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,227
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,918
−HK$702/mo
Today · 4.125%
HK$23,620
baseline
▲ 0.50% · 4.625%
HK$25,058
+HK$1,438/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,240/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,727
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,390
−HK$673/mo
Today · 4.125%
HK$26,063
baseline
▲ 0.50% · 4.625%
HK$27,437
+HK$1,374/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,126/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,577
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,466
−HK$903/mo
Today · 4.125%
HK$30,369
baseline
▲ 0.50% · 4.625%
HK$32,217
+HK$1,848/mo
Deposit HK$696K · loan HK$6.27M · min. income ≈ HK$60,738/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,792
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,644
−HK$865/mo
Today · 4.125%
HK$33,509
baseline
▲ 0.50% · 4.625%
HK$35,276
+HK$1,767/mo
Deposit HK$696K · loan HK$6.27M · min. income ≈ HK$67,018/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,874 · 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).