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$15,884
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,378
−HK$502/mo
Today · 4.125%
HK$16,880
baseline
▲ 0.50% · 4.625%
HK$17,907
+HK$1,027/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,760/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,671
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,144
−HK$481/mo
Today · 4.125%
HK$18,625
baseline
▲ 0.50% · 4.625%
HK$19,607
+HK$982/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,250/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,061
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,653
−HK$603/mo
Today · 4.125%
HK$20,256
baseline
▲ 0.50% · 4.625%
HK$21,488
+HK$1,232/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,512/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$208,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,205
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,773
−HK$577/mo
Today · 4.125%
HK$22,350
baseline
▲ 0.50% · 4.625%
HK$23,528
+HK$1,178/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,700/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$208,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,237
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,929
−HK$703/mo
Today · 4.125%
HK$23,632
baseline
▲ 0.50% · 4.625%
HK$25,070
+HK$1,438/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,264/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,739
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,402
−HK$673/mo
Today · 4.125%
HK$26,075
baseline
▲ 0.50% · 4.625%
HK$27,450
+HK$1,375/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,150/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,591
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,480
−HK$904/mo
Today · 4.125%
HK$30,384
baseline
▲ 0.50% · 4.625%
HK$32,232
+HK$1,848/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$60,768/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$208,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,807
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,660
−HK$865/mo
Today · 4.125%
HK$33,525
baseline
▲ 0.50% · 4.625%
HK$35,293
+HK$1,768/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$67,050/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$208,974 · 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).