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$15,919
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,414
−HK$503/mo
Today · 4.125%
HK$16,917
baseline
▲ 0.50% · 4.625%
HK$17,947
+HK$1,030/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,834/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,710
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,185
−HK$482/mo
Today · 4.125%
HK$18,667
baseline
▲ 0.50% · 4.625%
HK$19,650
+HK$983/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,334/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,103
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,697
−HK$604/mo
Today · 4.125%
HK$20,301
baseline
▲ 0.50% · 4.625%
HK$21,536
+HK$1,235/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$40,602/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,252
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,822
−HK$578/mo
Today · 4.125%
HK$22,400
baseline
▲ 0.50% · 4.625%
HK$23,581
+HK$1,181/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$44,800/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,287
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,980
−HK$704/mo
Today · 4.125%
HK$23,684
baseline
▲ 0.50% · 4.625%
HK$25,125
+HK$1,441/mo
Deposit HK$2.09M · loan HK$4.89M · min. income ≈ HK$47,368/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,794
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,459
−HK$674/mo
Today · 4.125%
HK$26,133
baseline
▲ 0.50% · 4.625%
HK$27,511
+HK$1,378/mo
Deposit HK$2.09M · loan HK$4.89M · min. income ≈ HK$52,266/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,654
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,546
−HK$905/mo
Today · 4.125%
HK$30,451
baseline
▲ 0.50% · 4.625%
HK$32,304
+HK$1,853/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$60,902/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,878
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,732
−HK$868/mo
Today · 4.125%
HK$33,600
baseline
▲ 0.50% · 4.625%
HK$35,371
+HK$1,771/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$67,200/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,437 · 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).