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$15,912
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,407
−HK$503/mo
Today · 4.125%
HK$16,910
baseline
▲ 0.50% · 4.625%
HK$17,938
+HK$1,028/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,820/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,702
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,176
−HK$482/mo
Today · 4.125%
HK$18,658
baseline
▲ 0.50% · 4.625%
HK$19,641
+HK$983/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,316/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,094
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,688
−HK$603/mo
Today · 4.125%
HK$20,291
baseline
▲ 0.50% · 4.625%
HK$21,526
+HK$1,235/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$40,582/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,242
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,812
−HK$578/mo
Today · 4.125%
HK$22,390
baseline
▲ 0.50% · 4.625%
HK$23,570
+HK$1,180/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$44,780/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,276
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,969
−HK$704/mo
Today · 4.125%
HK$23,673
baseline
▲ 0.50% · 4.625%
HK$25,114
+HK$1,441/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,346/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,782
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,447
−HK$674/mo
Today · 4.125%
HK$26,121
baseline
▲ 0.50% · 4.625%
HK$27,498
+HK$1,377/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,242/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,641
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,532
−HK$905/mo
Today · 4.125%
HK$30,437
baseline
▲ 0.50% · 4.625%
HK$32,289
+HK$1,852/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$60,874/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,863
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,717
−HK$867/mo
Today · 4.125%
HK$33,584
baseline
▲ 0.50% · 4.625%
HK$35,355
+HK$1,771/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$67,168/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,341 · 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).