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$15,925
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,421
−HK$503/mo
Today · 4.125%
HK$16,924
baseline
▲ 0.50% · 4.625%
HK$17,954
+HK$1,030/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,848/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,717
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,192
−HK$482/mo
Today · 4.125%
HK$18,674
baseline
▲ 0.50% · 4.625%
HK$19,658
+HK$984/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,348/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,110
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,705
−HK$604/mo
Today · 4.125%
HK$20,309
baseline
▲ 0.50% · 4.625%
HK$21,544
+HK$1,235/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$40,618/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,260
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,830
−HK$579/mo
Today · 4.125%
HK$22,409
baseline
▲ 0.50% · 4.625%
HK$23,590
+HK$1,181/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$44,818/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,295
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,989
−HK$704/mo
Today · 4.125%
HK$23,693
baseline
▲ 0.50% · 4.625%
HK$25,135
+HK$1,442/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$47,386/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,803
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,469
−HK$674/mo
Today · 4.125%
HK$26,143
baseline
▲ 0.50% · 4.625%
HK$27,521
+HK$1,378/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$52,286/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,665
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,557
−HK$906/mo
Today · 4.125%
HK$30,463
baseline
▲ 0.50% · 4.625%
HK$32,317
+HK$1,854/mo
Deposit HK$698K · loan HK$6.29M · min. income ≈ HK$60,926/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,890
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,745
−HK$868/mo
Today · 4.125%
HK$33,613
baseline
▲ 0.50% · 4.625%
HK$35,385
+HK$1,772/mo
Deposit HK$698K · loan HK$6.29M · min. income ≈ HK$67,226/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,520 · 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).