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$15,905
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,400
−HK$502/mo
Today · 4.125%
HK$16,902
baseline
▲ 0.50% · 4.625%
HK$17,931
+HK$1,029/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,804/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,694
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,169
−HK$481/mo
Today · 4.125%
HK$18,650
baseline
▲ 0.50% · 4.625%
HK$19,633
+HK$983/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,300/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,086
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,679
−HK$604/mo
Today · 4.125%
HK$20,283
baseline
▲ 0.50% · 4.625%
HK$21,517
+HK$1,234/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$40,566/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,233
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,802
−HK$578/mo
Today · 4.125%
HK$22,380
baseline
▲ 0.50% · 4.625%
HK$23,560
+HK$1,180/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$44,760/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,267
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,959
−HK$704/mo
Today · 4.125%
HK$23,663
baseline
▲ 0.50% · 4.625%
HK$25,103
+HK$1,440/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,326/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,772
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,436
−HK$674/mo
Today · 4.125%
HK$26,110
baseline
▲ 0.50% · 4.625%
HK$27,486
+HK$1,376/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,220/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,629
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,519
−HK$905/mo
Today · 4.125%
HK$30,424
baseline
▲ 0.50% · 4.625%
HK$32,275
+HK$1,851/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$60,848/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,849
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,703
−HK$867/mo
Today · 4.125%
HK$33,570
baseline
▲ 0.50% · 4.625%
HK$35,339
+HK$1,769/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$67,140/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,251 · 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).