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$15,920
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,415
−HK$503/mo
Today · 4.125%
HK$16,918
baseline
▲ 0.50% · 4.625%
HK$17,947
+HK$1,029/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,836/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,711
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,186
−HK$481/mo
Today · 4.125%
HK$18,667
baseline
▲ 0.50% · 4.625%
HK$19,651
+HK$984/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,334/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,104
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,698
−HK$604/mo
Today · 4.125%
HK$20,302
baseline
▲ 0.50% · 4.625%
HK$21,537
+HK$1,235/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$40,604/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,253
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,823
−HK$578/mo
Today · 4.125%
HK$22,401
baseline
▲ 0.50% · 4.625%
HK$23,582
+HK$1,181/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$44,802/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,288
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,981
−HK$704/mo
Today · 4.125%
HK$23,685
baseline
▲ 0.50% · 4.625%
HK$25,126
+HK$1,441/mo
Deposit HK$2.09M · loan HK$4.89M · min. income ≈ HK$47,370/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,795
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,460
−HK$674/mo
Today · 4.125%
HK$26,134
baseline
▲ 0.50% · 4.625%
HK$27,512
+HK$1,378/mo
Deposit HK$2.09M · loan HK$4.89M · min. income ≈ HK$52,268/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,656
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,547
−HK$906/mo
Today · 4.125%
HK$30,453
baseline
▲ 0.50% · 4.625%
HK$32,305
+HK$1,852/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$60,906/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,879
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,734
−HK$867/mo
Today · 4.125%
HK$33,601
baseline
▲ 0.50% · 4.625%
HK$35,373
+HK$1,772/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$67,202/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,447 · 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).