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$15,883
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,377
−HK$502/mo
Today · 4.125%
HK$16,879
baseline
▲ 0.50% · 4.625%
HK$17,907
+HK$1,028/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,758/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,670
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,144
−HK$481/mo
Today · 4.125%
HK$18,625
baseline
▲ 0.50% · 4.625%
HK$19,607
+HK$982/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,250/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,060
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,653
−HK$602/mo
Today · 4.125%
HK$20,255
baseline
▲ 0.50% · 4.625%
HK$21,488
+HK$1,233/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,510/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$208,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,204
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,773
−HK$577/mo
Today · 4.125%
HK$22,350
baseline
▲ 0.50% · 4.625%
HK$23,528
+HK$1,178/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,700/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$208,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,237
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,928
−HK$703/mo
Today · 4.125%
HK$23,631
baseline
▲ 0.50% · 4.625%
HK$25,069
+HK$1,438/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,262/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,738
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,402
−HK$673/mo
Today · 4.125%
HK$26,075
baseline
▲ 0.50% · 4.625%
HK$27,449
+HK$1,374/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,150/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,590
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,479
−HK$904/mo
Today · 4.125%
HK$30,383
baseline
▲ 0.50% · 4.625%
HK$32,232
+HK$1,849/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$60,766/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$208,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,806
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,659
−HK$866/mo
Today · 4.125%
HK$33,525
baseline
▲ 0.50% · 4.625%
HK$35,292
+HK$1,767/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$67,050/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$208,970 · 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).