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$15,851
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,344
−HK$501/mo
Today · 4.125%
HK$16,845
baseline
▲ 0.50% · 4.625%
HK$17,870
+HK$1,025/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,690/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,634
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,107
−HK$479/mo
Today · 4.125%
HK$18,586
baseline
▲ 0.50% · 4.625%
HK$19,566
+HK$980/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,172/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,021
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,612
−HK$601/mo
Today · 4.125%
HK$20,213
baseline
▲ 0.50% · 4.625%
HK$21,443
+HK$1,230/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,426/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,160
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,728
−HK$576/mo
Today · 4.125%
HK$22,304
baseline
▲ 0.50% · 4.625%
HK$23,479
+HK$1,175/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,608/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,191
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,881
−HK$701/mo
Today · 4.125%
HK$23,582
baseline
▲ 0.50% · 4.625%
HK$25,017
+HK$1,435/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,164/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,687
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,349
−HK$672/mo
Today · 4.125%
HK$26,021
baseline
▲ 0.50% · 4.625%
HK$27,392
+HK$1,371/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,042/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,531
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,419
−HK$901/mo
Today · 4.125%
HK$30,320
baseline
▲ 0.50% · 4.625%
HK$32,165
+HK$1,845/mo
Deposit HK$695K · loan HK$6.26M · min. income ≈ HK$60,640/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,741
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,592
−HK$863/mo
Today · 4.125%
HK$33,455
baseline
▲ 0.50% · 4.625%
HK$35,219
+HK$1,764/mo
Deposit HK$695K · loan HK$6.26M · min. income ≈ HK$66,910/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,537 · 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).