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$15,884
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,378
−HK$502/mo
Today · 4.125%
HK$16,880
baseline
▲ 0.50% · 4.625%
HK$17,907
+HK$1,027/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,760/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,671
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,145
−HK$480/mo
Today · 4.125%
HK$18,625
baseline
▲ 0.50% · 4.625%
HK$19,607
+HK$982/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,250/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,061
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,654
−HK$602/mo
Today · 4.125%
HK$20,256
baseline
▲ 0.50% · 4.625%
HK$21,489
+HK$1,233/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,512/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$208,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,205
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,774
−HK$577/mo
Today · 4.125%
HK$22,351
baseline
▲ 0.50% · 4.625%
HK$23,529
+HK$1,178/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,702/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$208,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,238
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,929
−HK$703/mo
Today · 4.125%
HK$23,632
baseline
▲ 0.50% · 4.625%
HK$25,070
+HK$1,438/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,264/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,739
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,403
−HK$673/mo
Today · 4.125%
HK$26,076
baseline
▲ 0.50% · 4.625%
HK$27,450
+HK$1,374/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,152/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,591
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,481
−HK$903/mo
Today · 4.125%
HK$30,384
baseline
▲ 0.50% · 4.625%
HK$32,233
+HK$1,849/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$60,768/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$208,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,807
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,660
−HK$866/mo
Today · 4.125%
HK$33,526
baseline
▲ 0.50% · 4.625%
HK$35,293
+HK$1,767/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$67,052/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$208,977 · 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).