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$15,902
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,397
−HK$503/mo
Today · 4.125%
HK$16,900
baseline
▲ 0.50% · 4.625%
HK$17,928
+HK$1,028/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,800/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,691
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,166
−HK$481/mo
Today · 4.125%
HK$18,647
baseline
▲ 0.50% · 4.625%
HK$19,630
+HK$983/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,294/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,083
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,677
−HK$603/mo
Today · 4.125%
HK$20,280
baseline
▲ 0.50% · 4.625%
HK$21,514
+HK$1,234/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,560/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,230
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,799
−HK$578/mo
Today · 4.125%
HK$22,377
baseline
▲ 0.50% · 4.625%
HK$23,556
+HK$1,179/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,754/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,263
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,956
−HK$704/mo
Today · 4.125%
HK$23,660
baseline
▲ 0.50% · 4.625%
HK$25,099
+HK$1,439/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,320/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,768
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,432
−HK$674/mo
Today · 4.125%
HK$26,106
baseline
▲ 0.50% · 4.625%
HK$27,482
+HK$1,376/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,212/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,624
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,515
−HK$904/mo
Today · 4.125%
HK$30,419
baseline
▲ 0.50% · 4.625%
HK$32,270
+HK$1,851/mo
Deposit HK$697K · loan HK$6.28M · min. income ≈ HK$60,838/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,844
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,698
−HK$867/mo
Today · 4.125%
HK$33,565
baseline
▲ 0.50% · 4.625%
HK$35,334
+HK$1,769/mo
Deposit HK$697K · loan HK$6.28M · min. income ≈ HK$67,130/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,220 · 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).