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$15,889
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,383
−HK$502/mo
Today · 4.125%
HK$16,885
baseline
▲ 0.50% · 4.625%
HK$17,913
+HK$1,028/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,770/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$209,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,676
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,150
−HK$481/mo
Today · 4.125%
HK$18,631
baseline
▲ 0.50% · 4.625%
HK$19,613
+HK$982/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,262/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$209,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,067
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,660
−HK$602/mo
Today · 4.125%
HK$20,262
baseline
▲ 0.50% · 4.625%
HK$21,495
+HK$1,233/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,524/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,212
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,781
−HK$577/mo
Today · 4.125%
HK$22,358
baseline
▲ 0.50% · 4.625%
HK$23,536
+HK$1,178/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,716/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,245
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,937
−HK$703/mo
Today · 4.125%
HK$23,640
baseline
▲ 0.50% · 4.625%
HK$25,078
+HK$1,438/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,280/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,747
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,411
−HK$673/mo
Today · 4.125%
HK$26,084
baseline
▲ 0.50% · 4.625%
HK$27,459
+HK$1,375/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,168/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,600
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,490
−HK$904/mo
Today · 4.125%
HK$30,394
baseline
▲ 0.50% · 4.625%
HK$32,243
+HK$1,849/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$60,788/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,817
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,671
−HK$865/mo
Today · 4.125%
HK$33,536
baseline
▲ 0.50% · 4.625%
HK$35,304
+HK$1,768/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$67,072/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,043 · 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).