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$15,859
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,352
−HK$501/mo
Today · 4.125%
HK$16,853
baseline
▲ 0.50% · 4.625%
HK$17,879
+HK$1,026/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,706/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,643
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,116
−HK$480/mo
Today · 4.125%
HK$18,596
baseline
▲ 0.50% · 4.625%
HK$19,576
+HK$980/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,192/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,031
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,623
−HK$601/mo
Today · 4.125%
HK$20,224
baseline
▲ 0.50% · 4.625%
HK$21,455
+HK$1,231/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,448/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,171
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,739
−HK$576/mo
Today · 4.125%
HK$22,315
baseline
▲ 0.50% · 4.625%
HK$23,491
+HK$1,176/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,630/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,202
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,893
−HK$702/mo
Today · 4.125%
HK$23,595
baseline
▲ 0.50% · 4.625%
HK$25,030
+HK$1,435/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,190/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,700
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,362
−HK$672/mo
Today · 4.125%
HK$26,034
baseline
▲ 0.50% · 4.625%
HK$27,407
+HK$1,373/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,068/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,546
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,434
−HK$902/mo
Today · 4.125%
HK$30,336
baseline
▲ 0.50% · 4.625%
HK$32,182
+HK$1,846/mo
Deposit HK$695K · loan HK$6.26M · min. income ≈ HK$60,672/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,757
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,609
−HK$864/mo
Today · 4.125%
HK$33,473
baseline
▲ 0.50% · 4.625%
HK$35,237
+HK$1,764/mo
Deposit HK$695K · loan HK$6.26M · min. income ≈ HK$66,946/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,646 · 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).