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$15,918
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,413
−HK$503/mo
Today · 4.125%
HK$16,916
baseline
▲ 0.50% · 4.625%
HK$17,946
+HK$1,030/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,832/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,709
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,184
−HK$481/mo
Today · 4.125%
HK$18,665
baseline
▲ 0.50% · 4.625%
HK$19,649
+HK$984/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,330/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,102
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,696
−HK$604/mo
Today · 4.125%
HK$20,300
baseline
▲ 0.50% · 4.625%
HK$21,535
+HK$1,235/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$40,600/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,250
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,820
−HK$579/mo
Today · 4.125%
HK$22,399
baseline
▲ 0.50% · 4.625%
HK$23,579
+HK$1,180/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$44,798/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,285
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,979
−HK$704/mo
Today · 4.125%
HK$23,683
baseline
▲ 0.50% · 4.625%
HK$25,124
+HK$1,441/mo
Deposit HK$2.09M · loan HK$4.89M · min. income ≈ HK$47,366/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,792
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,457
−HK$675/mo
Today · 4.125%
HK$26,132
baseline
▲ 0.50% · 4.625%
HK$27,509
+HK$1,377/mo
Deposit HK$2.09M · loan HK$4.89M · min. income ≈ HK$52,264/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,653
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,544
−HK$905/mo
Today · 4.125%
HK$30,449
baseline
▲ 0.50% · 4.625%
HK$32,302
+HK$1,853/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$60,898/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,876
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,731
−HK$867/mo
Today · 4.125%
HK$33,598
baseline
▲ 0.50% · 4.625%
HK$35,369
+HK$1,771/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$67,196/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,425 · 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).