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$15,911
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,406
−HK$503/mo
Today · 4.125%
HK$16,909
baseline
▲ 0.50% · 4.625%
HK$17,938
+HK$1,029/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,818/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,701
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,176
−HK$481/mo
Today · 4.125%
HK$18,657
baseline
▲ 0.50% · 4.625%
HK$19,641
+HK$984/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,314/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,093
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,687
−HK$603/mo
Today · 4.125%
HK$20,290
baseline
▲ 0.50% · 4.625%
HK$21,525
+HK$1,235/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$40,580/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,241
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,811
−HK$578/mo
Today · 4.125%
HK$22,389
baseline
▲ 0.50% · 4.625%
HK$23,569
+HK$1,180/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$44,778/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,275
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,968
−HK$704/mo
Today · 4.125%
HK$23,672
baseline
▲ 0.50% · 4.625%
HK$25,113
+HK$1,441/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,344/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,781
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,446
−HK$674/mo
Today · 4.125%
HK$26,120
baseline
▲ 0.50% · 4.625%
HK$27,497
+HK$1,377/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,240/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,640
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,531
−HK$905/mo
Today · 4.125%
HK$30,436
baseline
▲ 0.50% · 4.625%
HK$32,288
+HK$1,852/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$60,872/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,861
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,716
−HK$867/mo
Today · 4.125%
HK$33,583
baseline
▲ 0.50% · 4.625%
HK$35,353
+HK$1,770/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$67,166/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,332 · 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).