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$15,934
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,429
−HK$504/mo
Today · 4.125%
HK$16,933
baseline
▲ 0.50% · 4.625%
HK$17,963
+HK$1,030/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,866/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,726
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,202
−HK$482/mo
Today · 4.125%
HK$18,684
baseline
▲ 0.50% · 4.625%
HK$19,669
+HK$985/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,368/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,120
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,715
−HK$605/mo
Today · 4.125%
HK$20,320
baseline
▲ 0.50% · 4.625%
HK$21,556
+HK$1,236/mo
Deposit HK$2.80M · loan HK$4.19M · min. income ≈ HK$40,640/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,271
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,842
−HK$579/mo
Today · 4.125%
HK$22,421
baseline
▲ 0.50% · 4.625%
HK$23,602
+HK$1,181/mo
Deposit HK$2.80M · loan HK$4.19M · min. income ≈ HK$44,842/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,307
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$23,001
−HK$705/mo
Today · 4.125%
HK$23,706
baseline
▲ 0.50% · 4.625%
HK$25,149
+HK$1,443/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$47,412/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,817
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,482
−HK$675/mo
Today · 4.125%
HK$26,157
baseline
▲ 0.50% · 4.625%
HK$27,536
+HK$1,379/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$52,314/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,681
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,573
−HK$906/mo
Today · 4.125%
HK$30,479
baseline
▲ 0.50% · 4.625%
HK$32,334
+HK$1,855/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$60,958/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,907
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,763
−HK$868/mo
Today · 4.125%
HK$33,631
baseline
▲ 0.50% · 4.625%
HK$35,404
+HK$1,773/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$67,262/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,631 · 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).