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$15,892
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,387
−HK$502/mo
Today · 4.125%
HK$16,889
baseline
▲ 0.50% · 4.625%
HK$17,917
+HK$1,028/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,778/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$209,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,680
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,154
−HK$481/mo
Today · 4.125%
HK$18,635
baseline
▲ 0.50% · 4.625%
HK$19,618
+HK$983/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,270/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$209,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,071
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,664
−HK$603/mo
Today · 4.125%
HK$20,267
baseline
▲ 0.50% · 4.625%
HK$21,500
+HK$1,233/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,534/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,216
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,785
−HK$577/mo
Today · 4.125%
HK$22,362
baseline
▲ 0.50% · 4.625%
HK$23,541
+HK$1,179/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,724/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,249
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,942
−HK$703/mo
Today · 4.125%
HK$23,645
baseline
▲ 0.50% · 4.625%
HK$25,083
+HK$1,438/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,290/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,752
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,416
−HK$674/mo
Today · 4.125%
HK$26,090
baseline
▲ 0.50% · 4.625%
HK$27,465
+HK$1,375/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,180/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,606
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,496
−HK$904/mo
Today · 4.125%
HK$30,400
baseline
▲ 0.50% · 4.625%
HK$32,250
+HK$1,850/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$60,800/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,824
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,678
−HK$866/mo
Today · 4.125%
HK$33,544
baseline
▲ 0.50% · 4.625%
HK$35,312
+HK$1,768/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$67,088/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,088 · 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).