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$15,910
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,404
−HK$503/mo
Today · 4.125%
HK$16,907
baseline
▲ 0.50% · 4.625%
HK$17,936
+HK$1,029/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,814/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,699
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,174
−HK$481/mo
Today · 4.125%
HK$18,655
baseline
▲ 0.50% · 4.625%
HK$19,639
+HK$984/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,310/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,091
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,685
−HK$604/mo
Today · 4.125%
HK$20,289
baseline
▲ 0.50% · 4.625%
HK$21,523
+HK$1,234/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$40,578/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,239
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,809
−HK$577/mo
Today · 4.125%
HK$22,386
baseline
▲ 0.50% · 4.625%
HK$23,566
+HK$1,180/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$44,772/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,273
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,966
−HK$704/mo
Today · 4.125%
HK$23,670
baseline
▲ 0.50% · 4.625%
HK$25,110
+HK$1,440/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,340/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,779
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,443
−HK$675/mo
Today · 4.125%
HK$26,118
baseline
▲ 0.50% · 4.625%
HK$27,494
+HK$1,376/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,236/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,637
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,528
−HK$905/mo
Today · 4.125%
HK$30,433
baseline
▲ 0.50% · 4.625%
HK$32,285
+HK$1,852/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$60,866/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,858
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,713
−HK$867/mo
Today · 4.125%
HK$33,580
baseline
▲ 0.50% · 4.625%
HK$35,350
+HK$1,770/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$67,160/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,313 · 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).