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$15,936
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,432
−HK$503/mo
Today · 4.125%
HK$16,935
baseline
▲ 0.50% · 4.625%
HK$17,966
+HK$1,031/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,870/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,728
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,204
−HK$482/mo
Today · 4.125%
HK$18,686
baseline
▲ 0.50% · 4.625%
HK$19,671
+HK$985/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,372/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,123
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,718
−HK$604/mo
Today · 4.125%
HK$20,322
baseline
▲ 0.50% · 4.625%
HK$21,559
+HK$1,237/mo
Deposit HK$2.80M · loan HK$4.19M · min. income ≈ HK$40,644/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,274
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,845
−HK$579/mo
Today · 4.125%
HK$22,424
baseline
▲ 0.50% · 4.625%
HK$23,606
+HK$1,182/mo
Deposit HK$2.80M · loan HK$4.19M · min. income ≈ HK$44,848/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,310
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$23,004
−HK$705/mo
Today · 4.125%
HK$23,709
baseline
▲ 0.50% · 4.625%
HK$25,152
+HK$1,443/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$47,418/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,820
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,486
−HK$675/mo
Today · 4.125%
HK$26,161
baseline
▲ 0.50% · 4.625%
HK$27,540
+HK$1,379/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$52,322/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,685
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,577
−HK$906/mo
Today · 4.125%
HK$30,483
baseline
▲ 0.50% · 4.625%
HK$32,338
+HK$1,855/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$60,966/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,911
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,767
−HK$868/mo
Today · 4.125%
HK$33,635
baseline
▲ 0.50% · 4.625%
HK$35,408
+HK$1,773/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$67,270/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,659 · 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).