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$15,887
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,381
−HK$503/mo
Today · 4.125%
HK$16,884
baseline
▲ 0.50% · 4.625%
HK$17,911
+HK$1,027/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,768/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$209,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,674
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,148
−HK$481/mo
Today · 4.125%
HK$18,629
baseline
▲ 0.50% · 4.625%
HK$19,611
+HK$982/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,258/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$209,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,065
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,658
−HK$602/mo
Today · 4.125%
HK$20,260
baseline
▲ 0.50% · 4.625%
HK$21,493
+HK$1,233/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,520/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,209
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,778
−HK$577/mo
Today · 4.125%
HK$22,355
baseline
▲ 0.50% · 4.625%
HK$23,534
+HK$1,179/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,710/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,242
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,934
−HK$703/mo
Today · 4.125%
HK$23,637
baseline
▲ 0.50% · 4.625%
HK$25,075
+HK$1,438/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,274/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,744
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,408
−HK$673/mo
Today · 4.125%
HK$26,081
baseline
▲ 0.50% · 4.625%
HK$27,456
+HK$1,375/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,162/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,597
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,487
−HK$903/mo
Today · 4.125%
HK$30,390
baseline
▲ 0.50% · 4.625%
HK$32,240
+HK$1,850/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$60,780/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,814
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,667
−HK$866/mo
Today · 4.125%
HK$33,533
baseline
▲ 0.50% · 4.625%
HK$35,300
+HK$1,767/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$67,066/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,020 · 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).