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$15,856
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,350
−HK$501/mo
Today · 4.125%
HK$16,851
baseline
▲ 0.50% · 4.625%
HK$17,876
+HK$1,025/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,702/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,640
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,113
−HK$480/mo
Today · 4.125%
HK$18,593
baseline
▲ 0.50% · 4.625%
HK$19,573
+HK$980/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,186/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,028
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,619
−HK$602/mo
Today · 4.125%
HK$20,221
baseline
▲ 0.50% · 4.625%
HK$21,451
+HK$1,230/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,442/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,168
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,736
−HK$576/mo
Today · 4.125%
HK$22,312
baseline
▲ 0.50% · 4.625%
HK$23,488
+HK$1,176/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,624/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,199
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,889
−HK$702/mo
Today · 4.125%
HK$23,591
baseline
▲ 0.50% · 4.625%
HK$25,026
+HK$1,435/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,182/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,696
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,358
−HK$672/mo
Today · 4.125%
HK$26,030
baseline
▲ 0.50% · 4.625%
HK$27,402
+HK$1,372/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,060/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,541
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,429
−HK$902/mo
Today · 4.125%
HK$30,331
baseline
▲ 0.50% · 4.625%
HK$32,177
+HK$1,846/mo
Deposit HK$695K · loan HK$6.26M · min. income ≈ HK$60,662/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,752
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,604
−HK$863/mo
Today · 4.125%
HK$33,467
baseline
▲ 0.50% · 4.625%
HK$35,232
+HK$1,765/mo
Deposit HK$695K · loan HK$6.26M · min. income ≈ HK$66,934/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,613 · 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).