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$15,848
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,341
−HK$501/mo
Today · 4.125%
HK$16,842
baseline
▲ 0.50% · 4.625%
HK$17,867
+HK$1,025/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,684/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,631
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,104
−HK$480/mo
Today · 4.125%
HK$18,584
baseline
▲ 0.50% · 4.625%
HK$19,563
+HK$979/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,168/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,018
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,610
−HK$601/mo
Today · 4.125%
HK$20,211
baseline
▲ 0.50% · 4.625%
HK$21,440
+HK$1,229/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,422/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,157
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,725
−HK$575/mo
Today · 4.125%
HK$22,300
baseline
▲ 0.50% · 4.625%
HK$23,476
+HK$1,176/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,600/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,188
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,878
−HK$701/mo
Today · 4.125%
HK$23,579
baseline
▲ 0.50% · 4.625%
HK$25,014
+HK$1,435/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,158/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,684
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,346
−HK$671/mo
Today · 4.125%
HK$26,017
baseline
▲ 0.50% · 4.625%
HK$27,389
+HK$1,372/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,034/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,527
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,414
−HK$902/mo
Today · 4.125%
HK$30,316
baseline
▲ 0.50% · 4.625%
HK$32,161
+HK$1,845/mo
Deposit HK$695K · loan HK$6.26M · min. income ≈ HK$60,632/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,736
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,587
−HK$864/mo
Today · 4.125%
HK$33,451
baseline
▲ 0.50% · 4.625%
HK$35,214
+HK$1,763/mo
Deposit HK$695K · loan HK$6.26M · min. income ≈ HK$66,902/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,508 · 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).