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$15,922
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,417
−HK$503/mo
Today · 4.125%
HK$16,920
baseline
▲ 0.50% · 4.625%
HK$17,949
+HK$1,029/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,840/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,713
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,188
−HK$482/mo
Today · 4.125%
HK$18,670
baseline
▲ 0.50% · 4.625%
HK$19,654
+HK$984/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,340/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,106
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,700
−HK$604/mo
Today · 4.125%
HK$20,304
baseline
▲ 0.50% · 4.625%
HK$21,539
+HK$1,235/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$40,608/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,255
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,825
−HK$578/mo
Today · 4.125%
HK$22,403
baseline
▲ 0.50% · 4.625%
HK$23,584
+HK$1,181/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$44,806/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,290
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,984
−HK$704/mo
Today · 4.125%
HK$23,688
baseline
▲ 0.50% · 4.625%
HK$25,129
+HK$1,441/mo
Deposit HK$2.09M · loan HK$4.89M · min. income ≈ HK$47,376/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,798
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,463
−HK$674/mo
Today · 4.125%
HK$26,137
baseline
▲ 0.50% · 4.625%
HK$27,515
+HK$1,378/mo
Deposit HK$2.09M · loan HK$4.89M · min. income ≈ HK$52,274/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,659
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,550
−HK$906/mo
Today · 4.125%
HK$30,456
baseline
▲ 0.50% · 4.625%
HK$32,309
+HK$1,853/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$60,912/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,883
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,738
−HK$867/mo
Today · 4.125%
HK$33,605
baseline
▲ 0.50% · 4.625%
HK$35,376
+HK$1,771/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$67,210/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,471 · 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).