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$15,857
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,351
−HK$501/mo
Today · 4.125%
HK$16,852
baseline
▲ 0.50% · 4.625%
HK$17,877
+HK$1,025/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,704/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,641
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,114
−HK$480/mo
Today · 4.125%
HK$18,594
baseline
▲ 0.50% · 4.625%
HK$19,574
+HK$980/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,188/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,029
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,621
−HK$601/mo
Today · 4.125%
HK$20,222
baseline
▲ 0.50% · 4.625%
HK$21,452
+HK$1,230/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,444/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,169
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,737
−HK$576/mo
Today · 4.125%
HK$22,313
baseline
▲ 0.50% · 4.625%
HK$23,489
+HK$1,176/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,626/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,200
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,891
−HK$701/mo
Today · 4.125%
HK$23,592
baseline
▲ 0.50% · 4.625%
HK$25,028
+HK$1,436/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,184/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,697
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,360
−HK$672/mo
Today · 4.125%
HK$26,032
baseline
▲ 0.50% · 4.625%
HK$27,404
+HK$1,372/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,064/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,543
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,431
−HK$902/mo
Today · 4.125%
HK$30,333
baseline
▲ 0.50% · 4.625%
HK$32,179
+HK$1,846/mo
Deposit HK$695K · loan HK$6.26M · min. income ≈ HK$60,666/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,754
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,606
−HK$863/mo
Today · 4.125%
HK$33,469
baseline
▲ 0.50% · 4.625%
HK$35,234
+HK$1,765/mo
Deposit HK$695K · loan HK$6.26M · min. income ≈ HK$66,938/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,625 · 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).