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$996/mo
▼ 0.25% · 3.875%
HK$16,384
−HK$502/mo
Today · 4.125%
HK$16,886
baseline
▲ 0.50% · 4.625%
HK$17,913
+HK$1,027/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,772/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$209,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,677
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,151
−HK$481/mo
Today · 4.125%
HK$18,632
baseline
▲ 0.50% · 4.625%
HK$19,614
+HK$982/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,264/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$209,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,067
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,661
−HK$602/mo
Today · 4.125%
HK$20,263
baseline
▲ 0.50% · 4.625%
HK$21,496
+HK$1,233/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,526/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,212
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,781
−HK$577/mo
Today · 4.125%
HK$22,358
baseline
▲ 0.50% · 4.625%
HK$23,537
+HK$1,179/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,716/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,245
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,937
−HK$703/mo
Today · 4.125%
HK$23,640
baseline
▲ 0.50% · 4.625%
HK$25,079
+HK$1,439/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,280/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,748
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,411
−HK$674/mo
Today · 4.125%
HK$26,085
baseline
▲ 0.50% · 4.625%
HK$27,460
+HK$1,375/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,170/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,601
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,491
−HK$904/mo
Today · 4.125%
HK$30,395
baseline
▲ 0.50% · 4.625%
HK$32,244
+HK$1,849/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$60,790/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,819
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,672
−HK$866/mo
Today · 4.125%
HK$33,538
baseline
▲ 0.50% · 4.625%
HK$35,305
+HK$1,767/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$67,076/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,050 · 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).