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$15,906
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,401
−HK$503/mo
Today · 4.125%
HK$16,904
baseline
▲ 0.50% · 4.625%
HK$17,932
+HK$1,028/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,808/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,696
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,170
−HK$482/mo
Today · 4.125%
HK$18,652
baseline
▲ 0.50% · 4.625%
HK$19,635
+HK$983/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,304/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,088
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,681
−HK$604/mo
Today · 4.125%
HK$20,285
baseline
▲ 0.50% · 4.625%
HK$21,519
+HK$1,234/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$40,570/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,235
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,804
−HK$578/mo
Today · 4.125%
HK$22,382
baseline
▲ 0.50% · 4.625%
HK$23,562
+HK$1,180/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$44,764/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,269
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,962
−HK$703/mo
Today · 4.125%
HK$23,665
baseline
▲ 0.50% · 4.625%
HK$25,105
+HK$1,440/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,330/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,774
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,438
−HK$674/mo
Today · 4.125%
HK$26,112
baseline
▲ 0.50% · 4.625%
HK$27,489
+HK$1,377/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,224/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,631
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,522
−HK$905/mo
Today · 4.125%
HK$30,427
baseline
▲ 0.50% · 4.625%
HK$32,278
+HK$1,851/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$60,854/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,852
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,706
−HK$867/mo
Today · 4.125%
HK$33,573
baseline
▲ 0.50% · 4.625%
HK$35,343
+HK$1,770/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$67,146/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,270 · 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).