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$15,887
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,381
−HK$502/mo
Today · 4.125%
HK$16,883
baseline
▲ 0.50% · 4.625%
HK$17,910
+HK$1,027/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,766/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$209,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,674
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,148
−HK$481/mo
Today · 4.125%
HK$18,629
baseline
▲ 0.50% · 4.625%
HK$19,611
+HK$982/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,258/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$209,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,064
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,657
−HK$603/mo
Today · 4.125%
HK$20,260
baseline
▲ 0.50% · 4.625%
HK$21,492
+HK$1,232/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,520/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,209
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,777
−HK$577/mo
Today · 4.125%
HK$22,354
baseline
▲ 0.50% · 4.625%
HK$23,533
+HK$1,179/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,708/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,241
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,933
−HK$703/mo
Today · 4.125%
HK$23,636
baseline
▲ 0.50% · 4.625%
HK$25,074
+HK$1,438/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,272/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,743
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,407
−HK$673/mo
Today · 4.125%
HK$26,080
baseline
▲ 0.50% · 4.625%
HK$27,455
+HK$1,375/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,160/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,596
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,486
−HK$903/mo
Today · 4.125%
HK$30,389
baseline
▲ 0.50% · 4.625%
HK$32,238
+HK$1,849/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$60,778/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,813
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,666
−HK$866/mo
Today · 4.125%
HK$33,532
baseline
▲ 0.50% · 4.625%
HK$35,299
+HK$1,767/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$67,064/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,012 · 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).