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$15,852
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,345
−HK$501/mo
Today · 4.125%
HK$16,846
baseline
▲ 0.50% · 4.625%
HK$17,871
+HK$1,025/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,692/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,635
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,108
−HK$480/mo
Today · 4.125%
HK$18,588
baseline
▲ 0.50% · 4.625%
HK$19,567
+HK$979/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,176/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,022
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,614
−HK$601/mo
Today · 4.125%
HK$20,215
baseline
▲ 0.50% · 4.625%
HK$21,445
+HK$1,230/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,430/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,162
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,729
−HK$576/mo
Today · 4.125%
HK$22,305
baseline
▲ 0.50% · 4.625%
HK$23,481
+HK$1,176/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,610/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,192
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,883
−HK$701/mo
Today · 4.125%
HK$23,584
baseline
▲ 0.50% · 4.625%
HK$25,019
+HK$1,435/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,168/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,689
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,351
−HK$672/mo
Today · 4.125%
HK$26,023
baseline
▲ 0.50% · 4.625%
HK$27,394
+HK$1,371/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,046/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,533
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,421
−HK$901/mo
Today · 4.125%
HK$30,322
baseline
▲ 0.50% · 4.625%
HK$32,167
+HK$1,845/mo
Deposit HK$695K · loan HK$6.26M · min. income ≈ HK$60,644/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,743
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,594
−HK$864/mo
Today · 4.125%
HK$33,458
baseline
▲ 0.50% · 4.625%
HK$35,221
+HK$1,763/mo
Deposit HK$695K · loan HK$6.26M · min. income ≈ HK$66,916/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,553 · 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).