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$15,872
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,365
−HK$502/mo
Today · 4.125%
HK$16,867
baseline
▲ 0.50% · 4.625%
HK$17,893
+HK$1,026/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,734/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,657
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,130
−HK$481/mo
Today · 4.125%
HK$18,611
baseline
▲ 0.50% · 4.625%
HK$19,592
+HK$981/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,222/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,046
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,638
−HK$602/mo
Today · 4.125%
HK$20,240
baseline
▲ 0.50% · 4.625%
HK$21,472
+HK$1,232/mo
Deposit HK$2.78M · loan HK$4.18M · min. income ≈ HK$40,480/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,188
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,757
−HK$576/mo
Today · 4.125%
HK$22,333
baseline
▲ 0.50% · 4.625%
HK$23,510
+HK$1,177/mo
Deposit HK$2.78M · loan HK$4.18M · min. income ≈ HK$44,666/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,220
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,911
−HK$703/mo
Today · 4.125%
HK$23,614
baseline
▲ 0.50% · 4.625%
HK$25,050
+HK$1,436/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,228/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,720
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,383
−HK$672/mo
Today · 4.125%
HK$26,055
baseline
▲ 0.50% · 4.625%
HK$27,429
+HK$1,374/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,110/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,569
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,457
−HK$903/mo
Today · 4.125%
HK$30,360
baseline
▲ 0.50% · 4.625%
HK$32,208
+HK$1,848/mo
Deposit HK$696K · loan HK$6.26M · min. income ≈ HK$60,720/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,782
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,635
−HK$865/mo
Today · 4.125%
HK$33,500
baseline
▲ 0.50% · 4.625%
HK$35,265
+HK$1,765/mo
Deposit HK$696K · loan HK$6.26M · min. income ≈ HK$67,000/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,813 · 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).