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$15,916
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,411
−HK$503/mo
Today · 4.125%
HK$16,914
baseline
▲ 0.50% · 4.625%
HK$17,943
+HK$1,029/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,828/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,706
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,181
−HK$482/mo
Today · 4.125%
HK$18,663
baseline
▲ 0.50% · 4.625%
HK$19,647
+HK$984/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,326/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,099
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,693
−HK$604/mo
Today · 4.125%
HK$20,297
baseline
▲ 0.50% · 4.625%
HK$21,532
+HK$1,235/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$40,594/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,248
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,818
−HK$578/mo
Today · 4.125%
HK$22,396
baseline
▲ 0.50% · 4.625%
HK$23,576
+HK$1,180/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$44,792/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,282
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,976
−HK$704/mo
Today · 4.125%
HK$23,680
baseline
▲ 0.50% · 4.625%
HK$25,121
+HK$1,441/mo
Deposit HK$2.09M · loan HK$4.89M · min. income ≈ HK$47,360/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,789
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,454
−HK$674/mo
Today · 4.125%
HK$26,128
baseline
▲ 0.50% · 4.625%
HK$27,506
+HK$1,378/mo
Deposit HK$2.09M · loan HK$4.89M · min. income ≈ HK$52,256/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,649
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,540
−HK$905/mo
Today · 4.125%
HK$30,445
baseline
▲ 0.50% · 4.625%
HK$32,298
+HK$1,853/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$60,890/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,872
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,726
−HK$867/mo
Today · 4.125%
HK$33,593
baseline
▲ 0.50% · 4.625%
HK$35,364
+HK$1,771/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$67,186/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,398 · 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).