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$15,900
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,394
−HK$503/mo
Today · 4.125%
HK$16,897
baseline
▲ 0.50% · 4.625%
HK$17,925
+HK$1,028/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,794/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,688
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,162
−HK$482/mo
Today · 4.125%
HK$18,644
baseline
▲ 0.50% · 4.625%
HK$19,626
+HK$982/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,288/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,079
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,673
−HK$603/mo
Today · 4.125%
HK$20,276
baseline
▲ 0.50% · 4.625%
HK$21,510
+HK$1,234/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,552/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,226
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,795
−HK$577/mo
Today · 4.125%
HK$22,372
baseline
▲ 0.50% · 4.625%
HK$23,552
+HK$1,180/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,744/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,259
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,952
−HK$703/mo
Today · 4.125%
HK$23,655
baseline
▲ 0.50% · 4.625%
HK$25,095
+HK$1,440/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,310/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,763
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,427
−HK$674/mo
Today · 4.125%
HK$26,101
baseline
▲ 0.50% · 4.625%
HK$27,477
+HK$1,376/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,202/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,619
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,509
−HK$905/mo
Today · 4.125%
HK$30,414
baseline
▲ 0.50% · 4.625%
HK$32,264
+HK$1,850/mo
Deposit HK$697K · loan HK$6.28M · min. income ≈ HK$60,828/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,839
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,692
−HK$867/mo
Today · 4.125%
HK$33,559
baseline
▲ 0.50% · 4.625%
HK$35,328
+HK$1,769/mo
Deposit HK$697K · loan HK$6.28M · min. income ≈ HK$67,118/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,181 · 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).