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$15,935
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,431
−HK$503/mo
Today · 4.125%
HK$16,934
baseline
▲ 0.50% · 4.625%
HK$17,965
+HK$1,031/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,868/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,728
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,203
−HK$482/mo
Today · 4.125%
HK$18,685
baseline
▲ 0.50% · 4.625%
HK$19,670
+HK$985/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,370/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,122
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,717
−HK$604/mo
Today · 4.125%
HK$20,321
baseline
▲ 0.50% · 4.625%
HK$21,558
+HK$1,237/mo
Deposit HK$2.80M · loan HK$4.19M · min. income ≈ HK$40,642/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,273
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,844
−HK$578/mo
Today · 4.125%
HK$22,422
baseline
▲ 0.50% · 4.625%
HK$23,604
+HK$1,182/mo
Deposit HK$2.80M · loan HK$4.19M · min. income ≈ HK$44,844/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,309
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$23,003
−HK$705/mo
Today · 4.125%
HK$23,708
baseline
▲ 0.50% · 4.625%
HK$25,151
+HK$1,443/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$47,416/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,819
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,484
−HK$676/mo
Today · 4.125%
HK$26,160
baseline
▲ 0.50% · 4.625%
HK$27,538
+HK$1,378/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$52,320/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,683
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,575
−HK$907/mo
Today · 4.125%
HK$30,482
baseline
▲ 0.50% · 4.625%
HK$32,337
+HK$1,855/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$60,964/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,910
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,766
−HK$868/mo
Today · 4.125%
HK$33,634
baseline
▲ 0.50% · 4.625%
HK$35,407
+HK$1,773/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$67,268/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,649 · 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).