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$15,840
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,333
−HK$500/mo
Today · 4.125%
HK$16,833
baseline
▲ 0.50% · 4.625%
HK$17,858
+HK$1,025/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,666/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,622
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,095
−HK$479/mo
Today · 4.125%
HK$18,574
baseline
▲ 0.50% · 4.625%
HK$19,553
+HK$979/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,148/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,008
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,599
−HK$601/mo
Today · 4.125%
HK$20,200
baseline
▲ 0.50% · 4.625%
HK$21,429
+HK$1,229/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,400/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,146
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,714
−HK$575/mo
Today · 4.125%
HK$22,289
baseline
▲ 0.50% · 4.625%
HK$23,464
+HK$1,175/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,578/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,176
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,866
−HK$701/mo
Today · 4.125%
HK$23,567
baseline
▲ 0.50% · 4.625%
HK$25,001
+HK$1,434/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,134/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,671
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,332
−HK$672/mo
Today · 4.125%
HK$26,004
baseline
▲ 0.50% · 4.625%
HK$27,374
+HK$1,370/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$52,008/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,512
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,399
−HK$901/mo
Today · 4.125%
HK$30,300
baseline
▲ 0.50% · 4.625%
HK$32,144
+HK$1,844/mo
Deposit HK$695K · loan HK$6.25M · min. income ≈ HK$60,600/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,720
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,570
−HK$863/mo
Today · 4.125%
HK$33,433
baseline
▲ 0.50% · 4.625%
HK$35,196
+HK$1,763/mo
Deposit HK$695K · loan HK$6.25M · min. income ≈ HK$66,866/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,400 · 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).