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$15,901
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,395
−HK$503/mo
Today · 4.125%
HK$16,898
baseline
▲ 0.50% · 4.625%
HK$17,926
+HK$1,028/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,796/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,689
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,164
−HK$481/mo
Today · 4.125%
HK$18,645
baseline
▲ 0.50% · 4.625%
HK$19,628
+HK$983/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,290/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,081
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,674
−HK$603/mo
Today · 4.125%
HK$20,277
baseline
▲ 0.50% · 4.625%
HK$21,511
+HK$1,234/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,554/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,227
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,796
−HK$578/mo
Today · 4.125%
HK$22,374
baseline
▲ 0.50% · 4.625%
HK$23,553
+HK$1,179/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,748/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,261
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,953
−HK$704/mo
Today · 4.125%
HK$23,657
baseline
▲ 0.50% · 4.625%
HK$25,096
+HK$1,439/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,314/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,765
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,429
−HK$674/mo
Today · 4.125%
HK$26,103
baseline
▲ 0.50% · 4.625%
HK$27,479
+HK$1,376/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,206/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,621
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,511
−HK$905/mo
Today · 4.125%
HK$30,416
baseline
▲ 0.50% · 4.625%
HK$32,266
+HK$1,850/mo
Deposit HK$697K · loan HK$6.28M · min. income ≈ HK$60,832/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,841
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,694
−HK$867/mo
Today · 4.125%
HK$33,561
baseline
▲ 0.50% · 4.625%
HK$35,330
+HK$1,769/mo
Deposit HK$697K · loan HK$6.28M · min. income ≈ HK$67,122/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,195 · 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).