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$15,890
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,385
−HK$502/mo
Today · 4.125%
HK$16,887
baseline
▲ 0.50% · 4.625%
HK$17,914
+HK$1,027/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,774/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$209,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,678
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,152
−HK$481/mo
Today · 4.125%
HK$18,633
baseline
▲ 0.50% · 4.625%
HK$19,615
+HK$982/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,266/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$209,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,068
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,661
−HK$603/mo
Today · 4.125%
HK$20,264
baseline
▲ 0.50% · 4.625%
HK$21,497
+HK$1,233/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,528/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,213
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,782
−HK$577/mo
Today · 4.125%
HK$22,359
baseline
▲ 0.50% · 4.625%
HK$23,538
+HK$1,179/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,718/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,246
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,938
−HK$703/mo
Today · 4.125%
HK$23,641
baseline
▲ 0.50% · 4.625%
HK$25,080
+HK$1,439/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,282/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,749
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,413
−HK$673/mo
Today · 4.125%
HK$26,086
baseline
▲ 0.50% · 4.625%
HK$27,461
+HK$1,375/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,172/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,602
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,492
−HK$904/mo
Today · 4.125%
HK$30,396
baseline
▲ 0.50% · 4.625%
HK$32,246
+HK$1,850/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$60,792/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,820
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,673
−HK$866/mo
Today · 4.125%
HK$33,539
baseline
▲ 0.50% · 4.625%
HK$35,307
+HK$1,768/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$67,078/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,060 · 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).