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$209,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,706
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,180
−HK$482/mo
Today · 4.125%
HK$18,662
baseline
▲ 0.50% · 4.625%
HK$19,646
+HK$984/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$209,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,098
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,692
−HK$604/mo
Today · 4.125%
HK$20,296
baseline
▲ 0.50% · 4.625%
HK$21,531
+HK$1,235/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$40,592/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,247
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,817
−HK$578/mo
Today · 4.125%
HK$22,395
baseline
▲ 0.50% · 4.625%
HK$23,575
+HK$1,180/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$44,790/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,281
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,974
−HK$705/mo
Today · 4.125%
HK$23,679
baseline
▲ 0.50% · 4.625%
HK$25,119
+HK$1,440/mo
Deposit HK$2.09M · loan HK$4.89M · min. income ≈ HK$47,358/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,788
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,453
−HK$674/mo
Today · 4.125%
HK$26,127
baseline
▲ 0.50% · 4.625%
HK$27,504
+HK$1,377/mo
Deposit HK$2.09M · loan HK$4.89M · min. income ≈ HK$52,254/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,648
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,539
−HK$905/mo
Today · 4.125%
HK$30,444
baseline
▲ 0.50% · 4.625%
HK$32,296
+HK$1,852/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$60,888/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,870
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,725
−HK$867/mo
Today · 4.125%
HK$33,592
baseline
▲ 0.50% · 4.625%
HK$35,363
+HK$1,771/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$67,184/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,389 · 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).