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$15,931
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,427
−HK$503/mo
Today · 4.125%
HK$16,930
baseline
▲ 0.50% · 4.625%
HK$17,960
+HK$1,030/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,860/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,723
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,199
−HK$482/mo
Today · 4.125%
HK$18,681
baseline
▲ 0.50% · 4.625%
HK$19,666
+HK$985/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,362/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,118
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,712
−HK$604/mo
Today · 4.125%
HK$20,316
baseline
▲ 0.50% · 4.625%
HK$21,553
+HK$1,237/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$40,632/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,268
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,838
−HK$579/mo
Today · 4.125%
HK$22,417
baseline
▲ 0.50% · 4.625%
HK$23,599
+HK$1,182/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$44,834/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,304
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,998
−HK$704/mo
Today · 4.125%
HK$23,702
baseline
▲ 0.50% · 4.625%
HK$25,145
+HK$1,443/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$47,404/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,813
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,478
−HK$675/mo
Today · 4.125%
HK$26,153
baseline
▲ 0.50% · 4.625%
HK$27,532
+HK$1,379/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$52,306/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,676
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,568
−HK$907/mo
Today · 4.125%
HK$30,475
baseline
▲ 0.50% · 4.625%
HK$32,329
+HK$1,854/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$60,950/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,902
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,758
−HK$868/mo
Today · 4.125%
HK$33,626
baseline
▲ 0.50% · 4.625%
HK$35,398
+HK$1,772/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$67,252/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,599 · 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).