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$15,896
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,390
−HK$503/mo
Today · 4.125%
HK$16,893
baseline
▲ 0.50% · 4.625%
HK$17,921
+HK$1,028/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,786/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$209,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,684
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,158
−HK$482/mo
Today · 4.125%
HK$18,640
baseline
▲ 0.50% · 4.625%
HK$19,622
+HK$982/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,280/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$209,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,075
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,669
−HK$602/mo
Today · 4.125%
HK$20,271
baseline
▲ 0.50% · 4.625%
HK$21,505
+HK$1,234/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,542/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,221
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,790
−HK$577/mo
Today · 4.125%
HK$22,367
baseline
▲ 0.50% · 4.625%
HK$23,546
+HK$1,179/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,734/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,254
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,947
−HK$703/mo
Today · 4.125%
HK$23,650
baseline
▲ 0.50% · 4.625%
HK$25,089
+HK$1,439/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,300/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,758
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,422
−HK$673/mo
Today · 4.125%
HK$26,095
baseline
▲ 0.50% · 4.625%
HK$27,471
+HK$1,376/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,190/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,613
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,503
−HK$904/mo
Today · 4.125%
HK$30,407
baseline
▲ 0.50% · 4.625%
HK$32,257
+HK$1,850/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$60,814/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,831
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,685
−HK$866/mo
Today · 4.125%
HK$33,551
baseline
▲ 0.50% · 4.625%
HK$35,320
+HK$1,769/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$67,102/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,134 · 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).