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$15,885
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,379
−HK$502/mo
Today · 4.125%
HK$16,881
baseline
▲ 0.50% · 4.625%
HK$17,908
+HK$1,027/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,762/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,671
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,145
−HK$481/mo
Today · 4.125%
HK$18,626
baseline
▲ 0.50% · 4.625%
HK$19,608
+HK$982/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,252/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,061
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,654
−HK$603/mo
Today · 4.125%
HK$20,257
baseline
▲ 0.50% · 4.625%
HK$21,489
+HK$1,232/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,514/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$208,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,206
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,774
−HK$577/mo
Today · 4.125%
HK$22,351
baseline
▲ 0.50% · 4.625%
HK$23,529
+HK$1,178/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,702/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$208,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,238
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,930
−HK$703/mo
Today · 4.125%
HK$23,633
baseline
▲ 0.50% · 4.625%
HK$25,071
+HK$1,438/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,266/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,740
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,403
−HK$674/mo
Today · 4.125%
HK$26,077
baseline
▲ 0.50% · 4.625%
HK$27,451
+HK$1,374/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,154/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,592
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,482
−HK$903/mo
Today · 4.125%
HK$30,385
baseline
▲ 0.50% · 4.625%
HK$32,234
+HK$1,849/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$60,770/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$208,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,808
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,662
−HK$865/mo
Today · 4.125%
HK$33,527
baseline
▲ 0.50% · 4.625%
HK$35,294
+HK$1,767/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$67,054/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$208,984 · 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).