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$15,899
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,393
−HK$503/mo
Today · 4.125%
HK$16,896
baseline
▲ 0.50% · 4.625%
HK$17,924
+HK$1,028/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,792/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,687
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,162
−HK$481/mo
Today · 4.125%
HK$18,643
baseline
▲ 0.50% · 4.625%
HK$19,626
+HK$983/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,286/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,079
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,672
−HK$603/mo
Today · 4.125%
HK$20,275
baseline
▲ 0.50% · 4.625%
HK$21,509
+HK$1,234/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,550/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,225
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,794
−HK$577/mo
Today · 4.125%
HK$22,371
baseline
▲ 0.50% · 4.625%
HK$23,551
+HK$1,180/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,742/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,258
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,951
−HK$703/mo
Today · 4.125%
HK$23,654
baseline
▲ 0.50% · 4.625%
HK$25,093
+HK$1,439/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,308/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,762
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,426
−HK$674/mo
Today · 4.125%
HK$26,100
baseline
▲ 0.50% · 4.625%
HK$27,476
+HK$1,376/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,200/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,618
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,508
−HK$905/mo
Today · 4.125%
HK$30,413
baseline
▲ 0.50% · 4.625%
HK$32,263
+HK$1,850/mo
Deposit HK$697K · loan HK$6.28M · min. income ≈ HK$60,826/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,837
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,691
−HK$866/mo
Today · 4.125%
HK$33,557
baseline
▲ 0.50% · 4.625%
HK$35,326
+HK$1,769/mo
Deposit HK$697K · loan HK$6.28M · min. income ≈ HK$67,114/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,172 · 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).