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$15,912
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,407
−HK$503/mo
Today · 4.125%
HK$16,910
baseline
▲ 0.50% · 4.625%
HK$17,939
+HK$1,029/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,820/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,702
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,177
−HK$482/mo
Today · 4.125%
HK$18,659
baseline
▲ 0.50% · 4.625%
HK$19,642
+HK$983/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,318/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,095
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,689
−HK$603/mo
Today · 4.125%
HK$20,292
baseline
▲ 0.50% · 4.625%
HK$21,527
+HK$1,235/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$40,584/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,243
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,813
−HK$578/mo
Today · 4.125%
HK$22,391
baseline
▲ 0.50% · 4.625%
HK$23,571
+HK$1,180/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$44,782/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,277
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,970
−HK$704/mo
Today · 4.125%
HK$23,674
baseline
▲ 0.50% · 4.625%
HK$25,115
+HK$1,441/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,348/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,783
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,448
−HK$674/mo
Today · 4.125%
HK$26,122
baseline
▲ 0.50% · 4.625%
HK$27,499
+HK$1,377/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,244/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,642
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,533
−HK$905/mo
Today · 4.125%
HK$30,438
baseline
▲ 0.50% · 4.625%
HK$32,291
+HK$1,853/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$60,876/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,864
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,719
−HK$867/mo
Today · 4.125%
HK$33,586
baseline
▲ 0.50% · 4.625%
HK$35,356
+HK$1,770/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$67,172/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,351 · 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).