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$15,849
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,342
−HK$501/mo
Today · 4.125%
HK$16,843
baseline
▲ 0.50% · 4.625%
HK$17,867
+HK$1,024/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,686/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,631
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,104
−HK$480/mo
Today · 4.125%
HK$18,584
baseline
▲ 0.50% · 4.625%
HK$19,564
+HK$980/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,168/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,018
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,610
−HK$601/mo
Today · 4.125%
HK$20,211
baseline
▲ 0.50% · 4.625%
HK$21,441
+HK$1,230/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,422/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,158
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,725
−HK$576/mo
Today · 4.125%
HK$22,301
baseline
▲ 0.50% · 4.625%
HK$23,476
+HK$1,175/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,602/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,188
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,878
−HK$702/mo
Today · 4.125%
HK$23,580
baseline
▲ 0.50% · 4.625%
HK$25,014
+HK$1,434/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,160/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,684
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,346
−HK$672/mo
Today · 4.125%
HK$26,018
baseline
▲ 0.50% · 4.625%
HK$27,389
+HK$1,371/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,036/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,528
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,415
−HK$902/mo
Today · 4.125%
HK$30,317
baseline
▲ 0.50% · 4.625%
HK$32,161
+HK$1,844/mo
Deposit HK$695K · loan HK$6.26M · min. income ≈ HK$60,634/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,737
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,588
−HK$863/mo
Today · 4.125%
HK$33,451
baseline
▲ 0.50% · 4.625%
HK$35,215
+HK$1,764/mo
Deposit HK$695K · loan HK$6.26M · min. income ≈ HK$66,902/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,512 · 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).