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$15,921
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,416
−HK$504/mo
Today · 4.125%
HK$16,920
baseline
▲ 0.50% · 4.625%
HK$17,949
+HK$1,029/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,840/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,712
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,187
−HK$482/mo
Today · 4.125%
HK$18,669
baseline
▲ 0.50% · 4.625%
HK$19,653
+HK$984/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,338/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,105
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,700
−HK$603/mo
Today · 4.125%
HK$20,303
baseline
▲ 0.50% · 4.625%
HK$21,539
+HK$1,236/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$40,606/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,255
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,825
−HK$578/mo
Today · 4.125%
HK$22,403
baseline
▲ 0.50% · 4.625%
HK$23,584
+HK$1,181/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$44,806/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,290
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,983
−HK$704/mo
Today · 4.125%
HK$23,687
baseline
▲ 0.50% · 4.625%
HK$25,129
+HK$1,442/mo
Deposit HK$2.09M · loan HK$4.89M · min. income ≈ HK$47,374/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,797
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,462
−HK$675/mo
Today · 4.125%
HK$26,137
baseline
▲ 0.50% · 4.625%
HK$27,514
+HK$1,377/mo
Deposit HK$2.09M · loan HK$4.89M · min. income ≈ HK$52,274/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,658
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,549
−HK$906/mo
Today · 4.125%
HK$30,455
baseline
▲ 0.50% · 4.625%
HK$32,308
+HK$1,853/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$60,910/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,882
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,737
−HK$867/mo
Today · 4.125%
HK$33,604
baseline
▲ 0.50% · 4.625%
HK$35,376
+HK$1,772/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$67,208/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,465 · 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).