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$15,864
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,357
−HK$501/mo
Today · 4.125%
HK$16,858
baseline
▲ 0.50% · 4.625%
HK$17,884
+HK$1,026/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,716/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,648
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,121
−HK$481/mo
Today · 4.125%
HK$18,602
baseline
▲ 0.50% · 4.625%
HK$19,582
+HK$980/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,204/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,036
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,628
−HK$602/mo
Today · 4.125%
HK$20,230
baseline
▲ 0.50% · 4.625%
HK$21,461
+HK$1,231/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,460/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,178
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,746
−HK$576/mo
Today · 4.125%
HK$22,322
baseline
▲ 0.50% · 4.625%
HK$23,498
+HK$1,176/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,644/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,209
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,900
−HK$702/mo
Today · 4.125%
HK$23,602
baseline
▲ 0.50% · 4.625%
HK$25,038
+HK$1,436/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,204/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,707
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,370
−HK$672/mo
Today · 4.125%
HK$26,042
baseline
▲ 0.50% · 4.625%
HK$27,415
+HK$1,373/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,084/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,554
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,443
−HK$902/mo
Today · 4.125%
HK$30,345
baseline
▲ 0.50% · 4.625%
HK$32,191
+HK$1,846/mo
Deposit HK$696K · loan HK$6.26M · min. income ≈ HK$60,690/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,766
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,618
−HK$865/mo
Today · 4.125%
HK$33,483
baseline
▲ 0.50% · 4.625%
HK$35,248
+HK$1,765/mo
Deposit HK$696K · loan HK$6.26M · min. income ≈ HK$66,966/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,708 · 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).