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$15,924
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,419
−HK$503/mo
Today · 4.125%
HK$16,922
baseline
▲ 0.50% · 4.625%
HK$17,952
+HK$1,030/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,844/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,715
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,190
−HK$482/mo
Today · 4.125%
HK$18,672
baseline
▲ 0.50% · 4.625%
HK$19,656
+HK$984/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,344/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,108
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,703
−HK$604/mo
Today · 4.125%
HK$20,307
baseline
▲ 0.50% · 4.625%
HK$21,542
+HK$1,235/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$40,614/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,258
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,828
−HK$578/mo
Today · 4.125%
HK$22,406
baseline
▲ 0.50% · 4.625%
HK$23,588
+HK$1,182/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$44,812/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,293
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,987
−HK$704/mo
Today · 4.125%
HK$23,691
baseline
▲ 0.50% · 4.625%
HK$25,133
+HK$1,442/mo
Deposit HK$2.09M · loan HK$4.89M · min. income ≈ HK$47,382/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,801
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,466
−HK$675/mo
Today · 4.125%
HK$26,141
baseline
▲ 0.50% · 4.625%
HK$27,519
+HK$1,378/mo
Deposit HK$2.09M · loan HK$4.89M · min. income ≈ HK$52,282/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,663
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,554
−HK$906/mo
Today · 4.125%
HK$30,460
baseline
▲ 0.50% · 4.625%
HK$32,314
+HK$1,854/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$60,920/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,887
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,742
−HK$868/mo
Today · 4.125%
HK$33,610
baseline
▲ 0.50% · 4.625%
HK$35,381
+HK$1,771/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$67,220/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,500 · 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).