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$15,885
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,379
−HK$502/mo
Today · 4.125%
HK$16,881
baseline
▲ 0.50% · 4.625%
HK$17,909
+HK$1,028/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,762/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,672
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,146
−HK$481/mo
Today · 4.125%
HK$18,627
baseline
▲ 0.50% · 4.625%
HK$19,609
+HK$982/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,254/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,062
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,655
−HK$603/mo
Today · 4.125%
HK$20,258
baseline
▲ 0.50% · 4.625%
HK$21,490
+HK$1,232/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,516/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$208,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,207
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,775
−HK$577/mo
Today · 4.125%
HK$22,352
baseline
▲ 0.50% · 4.625%
HK$23,531
+HK$1,179/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,704/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$208,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,239
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,931
−HK$703/mo
Today · 4.125%
HK$23,634
baseline
▲ 0.50% · 4.625%
HK$25,072
+HK$1,438/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,268/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,741
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,405
−HK$673/mo
Today · 4.125%
HK$26,078
baseline
▲ 0.50% · 4.625%
HK$27,452
+HK$1,374/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,156/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,594
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,483
−HK$904/mo
Today · 4.125%
HK$30,387
baseline
▲ 0.50% · 4.625%
HK$32,236
+HK$1,849/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$60,774/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$208,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,810
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,663
−HK$866/mo
Today · 4.125%
HK$33,529
baseline
▲ 0.50% · 4.625%
HK$35,296
+HK$1,767/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$67,058/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$208,994 · 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).