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$15,933
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,429
−HK$503/mo
Today · 4.125%
HK$16,932
baseline
▲ 0.50% · 4.625%
HK$17,962
+HK$1,030/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,864/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,725
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,201
−HK$482/mo
Today · 4.125%
HK$18,683
baseline
▲ 0.50% · 4.625%
HK$19,668
+HK$985/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,366/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,120
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,714
−HK$605/mo
Today · 4.125%
HK$20,319
baseline
▲ 0.50% · 4.625%
HK$21,555
+HK$1,236/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$40,638/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,270
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,841
−HK$579/mo
Today · 4.125%
HK$22,420
baseline
▲ 0.50% · 4.625%
HK$23,601
+HK$1,181/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$44,840/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,306
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$23,000
−HK$705/mo
Today · 4.125%
HK$23,705
baseline
▲ 0.50% · 4.625%
HK$25,147
+HK$1,442/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$47,410/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,815
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,481
−HK$675/mo
Today · 4.125%
HK$26,156
baseline
▲ 0.50% · 4.625%
HK$27,535
+HK$1,379/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$52,312/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,679
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,572
−HK$906/mo
Today · 4.125%
HK$30,478
baseline
▲ 0.50% · 4.625%
HK$32,332
+HK$1,854/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$60,956/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,906
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,761
−HK$868/mo
Today · 4.125%
HK$33,629
baseline
▲ 0.50% · 4.625%
HK$35,402
+HK$1,773/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$67,258/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,622 · 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).