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$15,914
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,409
−HK$503/mo
Today · 4.125%
HK$16,912
baseline
▲ 0.50% · 4.625%
HK$17,941
+HK$1,029/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,824/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,704
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,179
−HK$481/mo
Today · 4.125%
HK$18,660
baseline
▲ 0.50% · 4.625%
HK$19,644
+HK$984/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,320/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,096
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,690
−HK$604/mo
Today · 4.125%
HK$20,294
baseline
▲ 0.50% · 4.625%
HK$21,529
+HK$1,235/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$40,588/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,244
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,814
−HK$578/mo
Today · 4.125%
HK$22,392
baseline
▲ 0.50% · 4.625%
HK$23,573
+HK$1,181/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$44,784/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,279
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,972
−HK$704/mo
Today · 4.125%
HK$23,676
baseline
▲ 0.50% · 4.625%
HK$25,117
+HK$1,441/mo
Deposit HK$2.09M · loan HK$4.89M · min. income ≈ HK$47,352/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,785
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,450
−HK$674/mo
Today · 4.125%
HK$26,124
baseline
▲ 0.50% · 4.625%
HK$27,501
+HK$1,377/mo
Deposit HK$2.09M · loan HK$4.89M · min. income ≈ HK$52,248/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,645
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,536
−HK$905/mo
Today · 4.125%
HK$30,441
baseline
▲ 0.50% · 4.625%
HK$32,293
+HK$1,852/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$60,882/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,867
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,721
−HK$867/mo
Today · 4.125%
HK$33,588
baseline
▲ 0.50% · 4.625%
HK$35,359
+HK$1,771/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$67,176/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,367 · 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).