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$15,894
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,389
−HK$502/mo
Today · 4.125%
HK$16,891
baseline
▲ 0.50% · 4.625%
HK$17,919
+HK$1,028/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,782/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$209,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,682
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,156
−HK$481/mo
Today · 4.125%
HK$18,637
baseline
▲ 0.50% · 4.625%
HK$19,620
+HK$983/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,274/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$209,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,073
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,666
−HK$603/mo
Today · 4.125%
HK$20,269
baseline
▲ 0.50% · 4.625%
HK$21,502
+HK$1,233/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,538/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,218
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,788
−HK$577/mo
Today · 4.125%
HK$22,365
baseline
▲ 0.50% · 4.625%
HK$23,544
+HK$1,179/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,730/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,252
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,944
−HK$703/mo
Today · 4.125%
HK$23,647
baseline
▲ 0.50% · 4.625%
HK$25,086
+HK$1,439/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,294/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,755
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,419
−HK$673/mo
Today · 4.125%
HK$26,092
baseline
▲ 0.50% · 4.625%
HK$27,468
+HK$1,376/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,184/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,609
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,499
−HK$904/mo
Today · 4.125%
HK$30,403
baseline
▲ 0.50% · 4.625%
HK$32,253
+HK$1,850/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$60,806/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,828
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,681
−HK$866/mo
Today · 4.125%
HK$33,547
baseline
▲ 0.50% · 4.625%
HK$35,316
+HK$1,769/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$67,094/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,110 · 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).