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$15,911
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,406
−HK$503/mo
Today · 4.125%
HK$16,909
baseline
▲ 0.50% · 4.625%
HK$17,937
+HK$1,028/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,818/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,701
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,175
−HK$482/mo
Today · 4.125%
HK$18,657
baseline
▲ 0.50% · 4.625%
HK$19,640
+HK$983/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,314/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,093
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,687
−HK$603/mo
Today · 4.125%
HK$20,290
baseline
▲ 0.50% · 4.625%
HK$21,525
+HK$1,235/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$40,580/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,241
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,810
−HK$578/mo
Today · 4.125%
HK$22,388
baseline
▲ 0.50% · 4.625%
HK$23,568
+HK$1,180/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$44,776/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,275
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,968
−HK$704/mo
Today · 4.125%
HK$23,672
baseline
▲ 0.50% · 4.625%
HK$25,112
+HK$1,440/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,344/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,781
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,445
−HK$675/mo
Today · 4.125%
HK$26,120
baseline
▲ 0.50% · 4.625%
HK$27,496
+HK$1,376/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,240/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,639
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,530
−HK$905/mo
Today · 4.125%
HK$30,435
baseline
▲ 0.50% · 4.625%
HK$32,287
+HK$1,852/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$60,870/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,861
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,716
−HK$866/mo
Today · 4.125%
HK$33,582
baseline
▲ 0.50% · 4.625%
HK$35,353
+HK$1,771/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$67,164/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,329 · 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).