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$15,895
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,389
−HK$502/mo
Today · 4.125%
HK$16,891
baseline
▲ 0.50% · 4.625%
HK$17,919
+HK$1,028/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,782/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$209,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,683
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,157
−HK$481/mo
Today · 4.125%
HK$18,638
baseline
▲ 0.50% · 4.625%
HK$19,620
+HK$982/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,276/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$209,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,073
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,667
−HK$603/mo
Today · 4.125%
HK$20,270
baseline
▲ 0.50% · 4.625%
HK$21,503
+HK$1,233/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,540/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,219
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,788
−HK$577/mo
Today · 4.125%
HK$22,365
baseline
▲ 0.50% · 4.625%
HK$23,544
+HK$1,179/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,730/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,252
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,945
−HK$703/mo
Today · 4.125%
HK$23,648
baseline
▲ 0.50% · 4.625%
HK$25,087
+HK$1,439/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,296/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,756
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,419
−HK$674/mo
Today · 4.125%
HK$26,093
baseline
▲ 0.50% · 4.625%
HK$27,468
+HK$1,375/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,186/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,610
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,500
−HK$904/mo
Today · 4.125%
HK$30,404
baseline
▲ 0.50% · 4.625%
HK$32,254
+HK$1,850/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$60,808/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,829
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,682
−HK$866/mo
Today · 4.125%
HK$33,548
baseline
▲ 0.50% · 4.625%
HK$35,316
+HK$1,768/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$67,096/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,116 · 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).