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$15,895
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,390
−HK$502/mo
Today · 4.125%
HK$16,892
baseline
▲ 0.50% · 4.625%
HK$17,920
+HK$1,028/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,784/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$209,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,683
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,158
−HK$481/mo
Today · 4.125%
HK$18,639
baseline
▲ 0.50% · 4.625%
HK$19,621
+HK$982/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,278/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$209,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,074
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,668
−HK$603/mo
Today · 4.125%
HK$20,271
baseline
▲ 0.50% · 4.625%
HK$21,504
+HK$1,233/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,542/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,220
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,789
−HK$578/mo
Today · 4.125%
HK$22,367
baseline
▲ 0.50% · 4.625%
HK$23,546
+HK$1,179/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,734/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,254
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,946
−HK$703/mo
Today · 4.125%
HK$23,649
baseline
▲ 0.50% · 4.625%
HK$25,088
+HK$1,439/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,298/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,757
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,421
−HK$673/mo
Today · 4.125%
HK$26,094
baseline
▲ 0.50% · 4.625%
HK$27,470
+HK$1,376/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,188/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,612
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,502
−HK$904/mo
Today · 4.125%
HK$30,406
baseline
▲ 0.50% · 4.625%
HK$32,256
+HK$1,850/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$60,812/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,830
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,684
−HK$866/mo
Today · 4.125%
HK$33,550
baseline
▲ 0.50% · 4.625%
HK$35,318
+HK$1,768/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$67,100/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,126 · 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).