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$15,868
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,362
−HK$501/mo
Today · 4.125%
HK$16,863
baseline
▲ 0.50% · 4.625%
HK$17,889
+HK$1,026/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,726/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,653
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,126
−HK$481/mo
Today · 4.125%
HK$18,607
baseline
▲ 0.50% · 4.625%
HK$19,588
+HK$981/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,214/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,042
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,634
−HK$602/mo
Today · 4.125%
HK$20,236
baseline
▲ 0.50% · 4.625%
HK$21,467
+HK$1,231/mo
Deposit HK$2.78M · loan HK$4.18M · min. income ≈ HK$40,472/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,184
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,752
−HK$576/mo
Today · 4.125%
HK$22,328
baseline
▲ 0.50% · 4.625%
HK$23,505
+HK$1,177/mo
Deposit HK$2.78M · loan HK$4.18M · min. income ≈ HK$44,656/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,215
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,906
−HK$702/mo
Today · 4.125%
HK$23,608
baseline
▲ 0.50% · 4.625%
HK$25,045
+HK$1,437/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,216/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,714
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,377
−HK$672/mo
Today · 4.125%
HK$26,049
baseline
▲ 0.50% · 4.625%
HK$27,423
+HK$1,374/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,098/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,562
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,451
−HK$902/mo
Today · 4.125%
HK$30,353
baseline
▲ 0.50% · 4.625%
HK$32,200
+HK$1,847/mo
Deposit HK$696K · loan HK$6.26M · min. income ≈ HK$60,706/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,775
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,628
−HK$864/mo
Today · 4.125%
HK$33,492
baseline
▲ 0.50% · 4.625%
HK$35,258
+HK$1,766/mo
Deposit HK$696K · loan HK$6.26M · min. income ≈ HK$66,984/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,766 · 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).