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$15,913
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,408
−HK$503/mo
Today · 4.125%
HK$16,911
baseline
▲ 0.50% · 4.625%
HK$17,940
+HK$1,029/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,822/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,703
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,178
−HK$482/mo
Today · 4.125%
HK$18,660
baseline
▲ 0.50% · 4.625%
HK$19,643
+HK$983/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,320/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,096
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,690
−HK$603/mo
Today · 4.125%
HK$20,293
baseline
▲ 0.50% · 4.625%
HK$21,528
+HK$1,235/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$40,586/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,244
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,813
−HK$578/mo
Today · 4.125%
HK$22,391
baseline
▲ 0.50% · 4.625%
HK$23,572
+HK$1,181/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$44,782/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,278
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,971
−HK$704/mo
Today · 4.125%
HK$23,675
baseline
▲ 0.50% · 4.625%
HK$25,116
+HK$1,441/mo
Deposit HK$2.09M · loan HK$4.89M · min. income ≈ HK$47,350/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,784
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,449
−HK$674/mo
Today · 4.125%
HK$26,123
baseline
▲ 0.50% · 4.625%
HK$27,500
+HK$1,377/mo
Deposit HK$2.09M · loan HK$4.89M · min. income ≈ HK$52,246/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,643
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,534
−HK$906/mo
Today · 4.125%
HK$30,440
baseline
▲ 0.50% · 4.625%
HK$32,292
+HK$1,852/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$60,880/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,866
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,720
−HK$867/mo
Today · 4.125%
HK$33,587
baseline
▲ 0.50% · 4.625%
HK$35,358
+HK$1,771/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$67,174/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,359 · 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).