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$15,862
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,356
−HK$501/mo
Today · 4.125%
HK$16,857
baseline
▲ 0.50% · 4.625%
HK$17,883
+HK$1,026/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,714/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,647
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,120
−HK$480/mo
Today · 4.125%
HK$18,600
baseline
▲ 0.50% · 4.625%
HK$19,581
+HK$981/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,200/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,035
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,627
−HK$602/mo
Today · 4.125%
HK$20,229
baseline
▲ 0.50% · 4.625%
HK$21,459
+HK$1,230/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,458/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,176
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,744
−HK$576/mo
Today · 4.125%
HK$22,320
baseline
▲ 0.50% · 4.625%
HK$23,497
+HK$1,177/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,640/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,207
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,898
−HK$702/mo
Today · 4.125%
HK$23,600
baseline
▲ 0.50% · 4.625%
HK$25,036
+HK$1,436/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,200/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,706
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,368
−HK$672/mo
Today · 4.125%
HK$26,040
baseline
▲ 0.50% · 4.625%
HK$27,413
+HK$1,373/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,080/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,552
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,441
−HK$902/mo
Today · 4.125%
HK$30,343
baseline
▲ 0.50% · 4.625%
HK$32,189
+HK$1,846/mo
Deposit HK$696K · loan HK$6.26M · min. income ≈ HK$60,686/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,764
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,616
−HK$864/mo
Today · 4.125%
HK$33,480
baseline
▲ 0.50% · 4.625%
HK$35,245
+HK$1,765/mo
Deposit HK$696K · loan HK$6.26M · min. income ≈ HK$66,960/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,693 · 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).