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$15,861
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,354
−HK$502/mo
Today · 4.125%
HK$16,856
baseline
▲ 0.50% · 4.625%
HK$17,881
+HK$1,025/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,712/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,645
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,118
−HK$480/mo
Today · 4.125%
HK$18,598
baseline
▲ 0.50% · 4.625%
HK$19,579
+HK$981/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,196/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,033
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,625
−HK$602/mo
Today · 4.125%
HK$20,227
baseline
▲ 0.50% · 4.625%
HK$21,457
+HK$1,230/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,454/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,174
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,742
−HK$576/mo
Today · 4.125%
HK$22,318
baseline
▲ 0.50% · 4.625%
HK$23,495
+HK$1,177/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,636/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,205
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,896
−HK$702/mo
Today · 4.125%
HK$23,598
baseline
▲ 0.50% · 4.625%
HK$25,034
+HK$1,436/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,196/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,703
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,366
−HK$672/mo
Today · 4.125%
HK$26,038
baseline
▲ 0.50% · 4.625%
HK$27,410
+HK$1,372/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,076/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,550
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,438
−HK$902/mo
Today · 4.125%
HK$30,340
baseline
▲ 0.50% · 4.625%
HK$32,186
+HK$1,846/mo
Deposit HK$696K · loan HK$6.26M · min. income ≈ HK$60,680/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,761
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,613
−HK$864/mo
Today · 4.125%
HK$33,477
baseline
▲ 0.50% · 4.625%
HK$35,242
+HK$1,765/mo
Deposit HK$696K · loan HK$6.26M · min. income ≈ HK$66,954/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,674 · 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).