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$15,907
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,402
−HK$503/mo
Today · 4.125%
HK$16,905
baseline
▲ 0.50% · 4.625%
HK$17,933
+HK$1,028/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,810/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,697
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,171
−HK$482/mo
Today · 4.125%
HK$18,653
baseline
▲ 0.50% · 4.625%
HK$19,636
+HK$983/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,306/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,089
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,682
−HK$604/mo
Today · 4.125%
HK$20,286
baseline
▲ 0.50% · 4.625%
HK$21,520
+HK$1,234/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$40,572/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,236
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,805
−HK$578/mo
Today · 4.125%
HK$22,383
baseline
▲ 0.50% · 4.625%
HK$23,563
+HK$1,180/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$44,766/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,270
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,963
−HK$704/mo
Today · 4.125%
HK$23,667
baseline
▲ 0.50% · 4.625%
HK$25,107
+HK$1,440/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,334/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,775
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,440
−HK$674/mo
Today · 4.125%
HK$26,114
baseline
▲ 0.50% · 4.625%
HK$27,490
+HK$1,376/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,228/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,633
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,524
−HK$904/mo
Today · 4.125%
HK$30,428
baseline
▲ 0.50% · 4.625%
HK$32,280
+HK$1,852/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$60,856/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,854
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,708
−HK$867/mo
Today · 4.125%
HK$33,575
baseline
▲ 0.50% · 4.625%
HK$35,345
+HK$1,770/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$67,150/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,282 · 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).