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$15,910
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,405
−HK$503/mo
Today · 4.125%
HK$16,908
baseline
▲ 0.50% · 4.625%
HK$17,937
+HK$1,029/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,816/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,700
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,175
−HK$481/mo
Today · 4.125%
HK$18,656
baseline
▲ 0.50% · 4.625%
HK$19,639
+HK$983/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,312/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,092
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,686
−HK$603/mo
Today · 4.125%
HK$20,289
baseline
▲ 0.50% · 4.625%
HK$21,524
+HK$1,235/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$40,578/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,240
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,809
−HK$578/mo
Today · 4.125%
HK$22,387
baseline
▲ 0.50% · 4.625%
HK$23,567
+HK$1,180/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$44,774/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,274
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,967
−HK$704/mo
Today · 4.125%
HK$23,671
baseline
▲ 0.50% · 4.625%
HK$25,111
+HK$1,440/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,342/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,780
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,444
−HK$675/mo
Today · 4.125%
HK$26,119
baseline
▲ 0.50% · 4.625%
HK$27,495
+HK$1,376/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,238/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,638
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,529
−HK$905/mo
Today · 4.125%
HK$30,434
baseline
▲ 0.50% · 4.625%
HK$32,286
+HK$1,852/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$60,868/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,860
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,714
−HK$867/mo
Today · 4.125%
HK$33,581
baseline
▲ 0.50% · 4.625%
HK$35,351
+HK$1,770/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$67,162/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,321 · 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).