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$15,915
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,410
−HK$503/mo
Today · 4.125%
HK$16,913
baseline
▲ 0.50% · 4.625%
HK$17,942
+HK$1,029/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,826/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,705
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,180
−HK$482/mo
Today · 4.125%
HK$18,662
baseline
▲ 0.50% · 4.625%
HK$19,645
+HK$983/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,324/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,098
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,692
−HK$603/mo
Today · 4.125%
HK$20,295
baseline
▲ 0.50% · 4.625%
HK$21,530
+HK$1,235/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$40,590/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,246
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,816
−HK$578/mo
Today · 4.125%
HK$22,394
baseline
▲ 0.50% · 4.625%
HK$23,574
+HK$1,180/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$44,788/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,281
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,974
−HK$704/mo
Today · 4.125%
HK$23,678
baseline
▲ 0.50% · 4.625%
HK$25,119
+HK$1,441/mo
Deposit HK$2.09M · loan HK$4.89M · min. income ≈ HK$47,356/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,787
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,452
−HK$674/mo
Today · 4.125%
HK$26,126
baseline
▲ 0.50% · 4.625%
HK$27,503
+HK$1,377/mo
Deposit HK$2.09M · loan HK$4.89M · min. income ≈ HK$52,252/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,647
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,538
−HK$905/mo
Today · 4.125%
HK$30,443
baseline
▲ 0.50% · 4.625%
HK$32,295
+HK$1,852/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$60,886/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,869
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,724
−HK$867/mo
Today · 4.125%
HK$33,591
baseline
▲ 0.50% · 4.625%
HK$35,361
+HK$1,770/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$67,182/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,382 · 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).