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$209,062 · 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$209,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,069
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,662
−HK$602/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$209,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,214
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,783
−HK$577/mo
Today · 4.125%
HK$22,360
baseline
▲ 0.50% · 4.625%
HK$23,538
+HK$1,178/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,720/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,247
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,939
−HK$703/mo
Today · 4.125%
HK$23,642
baseline
▲ 0.50% · 4.625%
HK$25,080
+HK$1,438/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,284/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,062 · 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$209,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,603
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,493
−HK$904/mo
Today · 4.125%
HK$30,397
baseline
▲ 0.50% · 4.625%
HK$32,246
+HK$1,849/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$60,794/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,820
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,674
−HK$866/mo
Today · 4.125%
HK$33,540
baseline
▲ 0.50% · 4.625%
HK$35,307
+HK$1,767/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$67,080/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,062 · 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).