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$15,927
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,422
−HK$504/mo
Today · 4.125%
HK$16,926
baseline
▲ 0.50% · 4.625%
HK$17,955
+HK$1,029/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,852/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,718
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,194
−HK$482/mo
Today · 4.125%
HK$18,676
baseline
▲ 0.50% · 4.625%
HK$19,660
+HK$984/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,352/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,112
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,707
−HK$604/mo
Today · 4.125%
HK$20,311
baseline
▲ 0.50% · 4.625%
HK$21,546
+HK$1,235/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$40,622/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,262
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,832
−HK$579/mo
Today · 4.125%
HK$22,411
baseline
▲ 0.50% · 4.625%
HK$23,592
+HK$1,181/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$44,822/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,297
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$22,991
−HK$705/mo
Today · 4.125%
HK$23,696
baseline
▲ 0.50% · 4.625%
HK$25,138
+HK$1,442/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$47,392/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,806
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,471
−HK$675/mo
Today · 4.125%
HK$26,146
baseline
▲ 0.50% · 4.625%
HK$27,524
+HK$1,378/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$52,292/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,668
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,560
−HK$906/mo
Today · 4.125%
HK$30,466
baseline
▲ 0.50% · 4.625%
HK$32,320
+HK$1,854/mo
Deposit HK$698K · loan HK$6.29M · min. income ≈ HK$60,932/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,893
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,748
−HK$868/mo
Today · 4.125%
HK$33,616
baseline
▲ 0.50% · 4.625%
HK$35,388
+HK$1,772/mo
Deposit HK$698K · loan HK$6.29M · min. income ≈ HK$67,232/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,539 · 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).