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$997/mo
▼ 0.25% · 3.875%
HK$16,400
−HK$503/mo
Today · 4.125%
HK$16,903
baseline
▲ 0.50% · 4.625%
HK$17,932
+HK$1,029/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,806/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,695
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,169
−HK$482/mo
Today · 4.125%
HK$18,651
baseline
▲ 0.50% · 4.625%
HK$19,634
+HK$983/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,302/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,087
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,680
−HK$604/mo
Today · 4.125%
HK$20,284
baseline
▲ 0.50% · 4.625%
HK$21,518
+HK$1,234/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$40,568/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,234
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,803
−HK$578/mo
Today · 4.125%
HK$22,381
baseline
▲ 0.50% · 4.625%
HK$23,561
+HK$1,180/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$44,762/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,268
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,961
−HK$703/mo
Today · 4.125%
HK$23,664
baseline
▲ 0.50% · 4.625%
HK$25,104
+HK$1,440/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,328/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,773
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,437
−HK$674/mo
Today · 4.125%
HK$26,111
baseline
▲ 0.50% · 4.625%
HK$27,488
+HK$1,377/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,222/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,630
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,521
−HK$905/mo
Today · 4.125%
HK$30,426
baseline
▲ 0.50% · 4.625%
HK$32,277
+HK$1,851/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$60,852/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,851
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,705
−HK$867/mo
Today · 4.125%
HK$33,572
baseline
▲ 0.50% · 4.625%
HK$35,341
+HK$1,769/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$67,144/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,262 · 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).