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$15,862
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,355
−HK$501/mo
Today · 4.125%
HK$16,856
baseline
▲ 0.50% · 4.625%
HK$17,882
+HK$1,026/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$208,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,646
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,119
−HK$480/mo
Today · 4.125%
HK$18,599
baseline
▲ 0.50% · 4.625%
HK$19,580
+HK$981/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,198/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,034
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,626
−HK$602/mo
Today · 4.125%
HK$20,228
baseline
▲ 0.50% · 4.625%
HK$21,458
+HK$1,230/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,456/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,175
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,743
−HK$576/mo
Today · 4.125%
HK$22,319
baseline
▲ 0.50% · 4.625%
HK$23,496
+HK$1,177/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,638/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,206
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,897
−HK$702/mo
Today · 4.125%
HK$23,599
baseline
▲ 0.50% · 4.625%
HK$25,035
+HK$1,436/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,198/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,704
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,367
−HK$672/mo
Today · 4.125%
HK$26,039
baseline
▲ 0.50% · 4.625%
HK$27,411
+HK$1,372/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,078/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,551
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,439
−HK$902/mo
Today · 4.125%
HK$30,341
baseline
▲ 0.50% · 4.625%
HK$32,187
+HK$1,846/mo
Deposit HK$696K · loan HK$6.26M · min. income ≈ HK$60,682/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,763
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,614
−HK$865/mo
Today · 4.125%
HK$33,479
baseline
▲ 0.50% · 4.625%
HK$35,243
+HK$1,764/mo
Deposit HK$696K · loan HK$6.26M · min. income ≈ HK$66,958/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,682 · 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).