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$15,919
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,414
−HK$503/mo
Today · 4.125%
HK$16,917
baseline
▲ 0.50% · 4.625%
HK$17,946
+HK$1,029/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,834/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,709
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,184
−HK$482/mo
Today · 4.125%
HK$18,666
baseline
▲ 0.50% · 4.625%
HK$19,650
+HK$984/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,332/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,102
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,697
−HK$603/mo
Today · 4.125%
HK$20,300
baseline
▲ 0.50% · 4.625%
HK$21,535
+HK$1,235/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$40,600/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,251
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,821
−HK$578/mo
Today · 4.125%
HK$22,399
baseline
▲ 0.50% · 4.625%
HK$23,580
+HK$1,181/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$44,798/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,286
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,979
−HK$705/mo
Today · 4.125%
HK$23,684
baseline
▲ 0.50% · 4.625%
HK$25,125
+HK$1,441/mo
Deposit HK$2.09M · loan HK$4.89M · min. income ≈ HK$47,368/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,793
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,458
−HK$675/mo
Today · 4.125%
HK$26,133
baseline
▲ 0.50% · 4.625%
HK$27,510
+HK$1,377/mo
Deposit HK$2.09M · loan HK$4.89M · min. income ≈ HK$52,266/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,654
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,545
−HK$905/mo
Today · 4.125%
HK$30,450
baseline
▲ 0.50% · 4.625%
HK$32,303
+HK$1,853/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$60,900/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,877
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,732
−HK$867/mo
Today · 4.125%
HK$33,599
baseline
▲ 0.50% · 4.625%
HK$35,370
+HK$1,771/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$67,198/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,433 · 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).