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$15,903
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,398
−HK$502/mo
Today · 4.125%
HK$16,900
baseline
▲ 0.50% · 4.625%
HK$17,929
+HK$1,029/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,800/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,692
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,167
−HK$481/mo
Today · 4.125%
HK$18,648
baseline
▲ 0.50% · 4.625%
HK$19,631
+HK$983/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,296/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,084
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,677
−HK$603/mo
Today · 4.125%
HK$20,280
baseline
▲ 0.50% · 4.625%
HK$21,514
+HK$1,234/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,560/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,230
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,800
−HK$578/mo
Today · 4.125%
HK$22,378
baseline
▲ 0.50% · 4.625%
HK$23,557
+HK$1,179/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,756/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,264
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,957
−HK$704/mo
Today · 4.125%
HK$23,661
baseline
▲ 0.50% · 4.625%
HK$25,100
+HK$1,439/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,322/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,769
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,433
−HK$674/mo
Today · 4.125%
HK$26,107
baseline
▲ 0.50% · 4.625%
HK$27,483
+HK$1,376/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,214/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,626
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,516
−HK$905/mo
Today · 4.125%
HK$30,421
baseline
▲ 0.50% · 4.625%
HK$32,272
+HK$1,851/mo
Deposit HK$697K · loan HK$6.28M · min. income ≈ HK$60,842/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,846
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,700
−HK$866/mo
Today · 4.125%
HK$33,566
baseline
▲ 0.50% · 4.625%
HK$35,336
+HK$1,770/mo
Deposit HK$697K · loan HK$6.28M · min. income ≈ HK$67,132/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,229 · 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).