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$15,929
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,424
−HK$504/mo
Today · 4.125%
HK$16,928
baseline
▲ 0.50% · 4.625%
HK$17,958
+HK$1,030/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,856/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,721
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,196
−HK$482/mo
Today · 4.125%
HK$18,678
baseline
▲ 0.50% · 4.625%
HK$19,663
+HK$985/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,356/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,115
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,709
−HK$604/mo
Today · 4.125%
HK$20,313
baseline
▲ 0.50% · 4.625%
HK$21,549
+HK$1,236/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$40,626/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,265
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,835
−HK$579/mo
Today · 4.125%
HK$22,414
baseline
▲ 0.50% · 4.625%
HK$23,595
+HK$1,181/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$44,828/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,301
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,994
−HK$705/mo
Today · 4.125%
HK$23,699
baseline
▲ 0.50% · 4.625%
HK$25,141
+HK$1,442/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$47,398/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,809
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,475
−HK$675/mo
Today · 4.125%
HK$26,150
baseline
▲ 0.50% · 4.625%
HK$27,528
+HK$1,378/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$52,300/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,672
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,564
−HK$906/mo
Today · 4.125%
HK$30,470
baseline
▲ 0.50% · 4.625%
HK$32,324
+HK$1,854/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$60,940/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,898
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,753
−HK$868/mo
Today · 4.125%
HK$33,621
baseline
▲ 0.50% · 4.625%
HK$35,393
+HK$1,772/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$67,242/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,569 · 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).