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$15,921
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,416
−HK$503/mo
Today · 4.125%
HK$16,919
baseline
▲ 0.50% · 4.625%
HK$17,949
+HK$1,030/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,838/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,712
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,187
−HK$481/mo
Today · 4.125%
HK$18,668
baseline
▲ 0.50% · 4.625%
HK$19,653
+HK$985/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,336/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,105
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,699
−HK$604/mo
Today · 4.125%
HK$20,303
baseline
▲ 0.50% · 4.625%
HK$21,538
+HK$1,235/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$40,606/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,254
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,824
−HK$578/mo
Today · 4.125%
HK$22,402
baseline
▲ 0.50% · 4.625%
HK$23,583
+HK$1,181/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$44,804/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,289
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,982
−HK$705/mo
Today · 4.125%
HK$23,687
baseline
▲ 0.50% · 4.625%
HK$25,128
+HK$1,441/mo
Deposit HK$2.09M · loan HK$4.89M · min. income ≈ HK$47,374/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,796
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,461
−HK$675/mo
Today · 4.125%
HK$26,136
baseline
▲ 0.50% · 4.625%
HK$27,514
+HK$1,378/mo
Deposit HK$2.09M · loan HK$4.89M · min. income ≈ HK$52,272/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,657
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,549
−HK$905/mo
Today · 4.125%
HK$30,454
baseline
▲ 0.50% · 4.625%
HK$32,307
+HK$1,853/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$60,908/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,881
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,736
−HK$867/mo
Today · 4.125%
HK$33,603
baseline
▲ 0.50% · 4.625%
HK$35,375
+HK$1,772/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$67,206/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,459 · 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).