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$15,932
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,428
−HK$503/mo
Today · 4.125%
HK$16,931
baseline
▲ 0.50% · 4.625%
HK$17,961
+HK$1,030/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,862/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,724
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,199
−HK$483/mo
Today · 4.125%
HK$18,682
baseline
▲ 0.50% · 4.625%
HK$19,666
+HK$984/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,364/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,118
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,713
−HK$604/mo
Today · 4.125%
HK$20,317
baseline
▲ 0.50% · 4.625%
HK$21,553
+HK$1,236/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$40,634/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,269
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,839
−HK$579/mo
Today · 4.125%
HK$22,418
baseline
▲ 0.50% · 4.625%
HK$23,600
+HK$1,182/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$44,836/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,305
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,999
−HK$704/mo
Today · 4.125%
HK$23,703
baseline
▲ 0.50% · 4.625%
HK$25,146
+HK$1,443/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$47,406/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,814
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,479
−HK$675/mo
Today · 4.125%
HK$26,154
baseline
▲ 0.50% · 4.625%
HK$27,533
+HK$1,379/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$52,308/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,677
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,570
−HK$906/mo
Today · 4.125%
HK$30,476
baseline
▲ 0.50% · 4.625%
HK$32,330
+HK$1,854/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$60,952/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,903
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,759
−HK$868/mo
Today · 4.125%
HK$33,627
baseline
▲ 0.50% · 4.625%
HK$35,400
+HK$1,773/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$67,254/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,608 · 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).