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$15,905
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,399
−HK$503/mo
Today · 4.125%
HK$16,902
baseline
▲ 0.50% · 4.625%
HK$17,930
+HK$1,028/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,804/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,694
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,168
−HK$482/mo
Today · 4.125%
HK$18,650
baseline
▲ 0.50% · 4.625%
HK$19,633
+HK$983/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,300/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,085
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,679
−HK$603/mo
Today · 4.125%
HK$20,282
baseline
▲ 0.50% · 4.625%
HK$21,516
+HK$1,234/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,564/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,232
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,802
−HK$578/mo
Today · 4.125%
HK$22,380
baseline
▲ 0.50% · 4.625%
HK$23,559
+HK$1,179/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,760/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,266
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,959
−HK$704/mo
Today · 4.125%
HK$23,663
baseline
▲ 0.50% · 4.625%
HK$25,103
+HK$1,440/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,326/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,771
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,435
−HK$674/mo
Today · 4.125%
HK$26,109
baseline
▲ 0.50% · 4.625%
HK$27,486
+HK$1,377/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,218/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,628
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,519
−HK$904/mo
Today · 4.125%
HK$30,423
baseline
▲ 0.50% · 4.625%
HK$32,275
+HK$1,852/mo
Deposit HK$697K · loan HK$6.28M · min. income ≈ HK$60,846/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,849
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,703
−HK$866/mo
Today · 4.125%
HK$33,569
baseline
▲ 0.50% · 4.625%
HK$35,339
+HK$1,770/mo
Deposit HK$697K · loan HK$6.28M · min. income ≈ HK$67,138/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,248 · 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).