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$15,930
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,426
−HK$503/mo
Today · 4.125%
HK$16,929
baseline
▲ 0.50% · 4.625%
HK$17,959
+HK$1,030/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,858/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,722
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,198
−HK$482/mo
Today · 4.125%
HK$18,680
baseline
▲ 0.50% · 4.625%
HK$19,664
+HK$984/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,360/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,116
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,711
−HK$604/mo
Today · 4.125%
HK$20,315
baseline
▲ 0.50% · 4.625%
HK$21,551
+HK$1,236/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$40,630/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,267
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,837
−HK$579/mo
Today · 4.125%
HK$22,416
baseline
▲ 0.50% · 4.625%
HK$23,597
+HK$1,181/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$44,832/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,302
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$22,996
−HK$705/mo
Today · 4.125%
HK$23,701
baseline
▲ 0.50% · 4.625%
HK$25,143
+HK$1,442/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$47,402/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,811
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,477
−HK$675/mo
Today · 4.125%
HK$26,152
baseline
▲ 0.50% · 4.625%
HK$27,530
+HK$1,378/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$52,304/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,675
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,567
−HK$906/mo
Today · 4.125%
HK$30,473
baseline
▲ 0.50% · 4.625%
HK$32,327
+HK$1,854/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$60,946/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,900
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,756
−HK$868/mo
Today · 4.125%
HK$33,624
baseline
▲ 0.50% · 4.625%
HK$35,396
+HK$1,772/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$67,248/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,587 · 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).