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$15,924
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,420
−HK$503/mo
Today · 4.125%
HK$16,923
baseline
▲ 0.50% · 4.625%
HK$17,953
+HK$1,030/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,846/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,716
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,191
−HK$482/mo
Today · 4.125%
HK$18,673
baseline
▲ 0.50% · 4.625%
HK$19,657
+HK$984/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,346/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,109
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,703
−HK$604/mo
Today · 4.125%
HK$20,307
baseline
▲ 0.50% · 4.625%
HK$21,543
+HK$1,236/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$40,614/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,259
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,829
−HK$578/mo
Today · 4.125%
HK$22,407
baseline
▲ 0.50% · 4.625%
HK$23,588
+HK$1,181/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$44,814/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,294
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,987
−HK$705/mo
Today · 4.125%
HK$23,692
baseline
▲ 0.50% · 4.625%
HK$25,134
+HK$1,442/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$47,384/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,802
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,467
−HK$675/mo
Today · 4.125%
HK$26,142
baseline
▲ 0.50% · 4.625%
HK$27,520
+HK$1,378/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$52,284/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,664
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,555
−HK$906/mo
Today · 4.125%
HK$30,461
baseline
▲ 0.50% · 4.625%
HK$32,315
+HK$1,854/mo
Deposit HK$698K · loan HK$6.29M · min. income ≈ HK$60,922/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,888
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,743
−HK$868/mo
Today · 4.125%
HK$33,611
baseline
▲ 0.50% · 4.625%
HK$35,382
+HK$1,771/mo
Deposit HK$698K · loan HK$6.29M · min. income ≈ HK$67,222/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,506 · 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).