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$15,939
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,435
−HK$503/mo
Today · 4.125%
HK$16,938
baseline
▲ 0.50% · 4.625%
HK$17,969
+HK$1,031/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,876/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,732
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,207
−HK$483/mo
Today · 4.125%
HK$18,690
baseline
▲ 0.50% · 4.625%
HK$19,675
+HK$985/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,380/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,127
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,721
−HK$605/mo
Today · 4.125%
HK$20,326
baseline
▲ 0.50% · 4.625%
HK$21,563
+HK$1,237/mo
Deposit HK$2.80M · loan HK$4.19M · min. income ≈ HK$40,652/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,278
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,849
−HK$579/mo
Today · 4.125%
HK$22,428
baseline
▲ 0.50% · 4.625%
HK$23,610
+HK$1,182/mo
Deposit HK$2.80M · loan HK$4.19M · min. income ≈ HK$44,856/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,314
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,008
−HK$706/mo
Today · 4.125%
HK$23,714
baseline
▲ 0.50% · 4.625%
HK$25,156
+HK$1,442/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$47,428/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,824
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,490
−HK$676/mo
Today · 4.125%
HK$26,166
baseline
▲ 0.50% · 4.625%
HK$27,545
+HK$1,379/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$52,332/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,690
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,582
−HK$907/mo
Today · 4.125%
HK$30,489
baseline
▲ 0.50% · 4.625%
HK$32,344
+HK$1,855/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$60,978/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,917
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,773
−HK$868/mo
Today · 4.125%
HK$33,641
baseline
▲ 0.50% · 4.625%
HK$35,415
+HK$1,774/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$67,282/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,697 · 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).