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$997/mo
▼ 0.25% · 3.875%
HK$16,396
−HK$503/mo
Today · 4.125%
HK$16,899
baseline
▲ 0.50% · 4.625%
HK$17,927
+HK$1,028/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,798/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,691
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,165
−HK$481/mo
Today · 4.125%
HK$18,646
baseline
▲ 0.50% · 4.625%
HK$19,629
+HK$983/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,292/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,082
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,676
−HK$603/mo
Today · 4.125%
HK$20,279
baseline
▲ 0.50% · 4.625%
HK$21,513
+HK$1,234/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,558/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,229
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,798
−HK$578/mo
Today · 4.125%
HK$22,376
baseline
▲ 0.50% · 4.625%
HK$23,555
+HK$1,179/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,752/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,263
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,955
−HK$704/mo
Today · 4.125%
HK$23,659
baseline
▲ 0.50% · 4.625%
HK$25,098
+HK$1,439/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,318/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,767
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,431
−HK$674/mo
Today · 4.125%
HK$26,105
baseline
▲ 0.50% · 4.625%
HK$27,481
+HK$1,376/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,210/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,623
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,514
−HK$904/mo
Today · 4.125%
HK$30,418
baseline
▲ 0.50% · 4.625%
HK$32,269
+HK$1,851/mo
Deposit HK$697K · loan HK$6.28M · min. income ≈ HK$60,836/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,843
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,697
−HK$866/mo
Today · 4.125%
HK$33,563
baseline
▲ 0.50% · 4.625%
HK$35,333
+HK$1,770/mo
Deposit HK$697K · loan HK$6.28M · min. income ≈ HK$67,126/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,211 · 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).