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$15,893
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,387
−HK$503/mo
Today · 4.125%
HK$16,890
baseline
▲ 0.50% · 4.625%
HK$17,917
+HK$1,027/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,780/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$209,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,681
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,155
−HK$481/mo
Today · 4.125%
HK$18,636
baseline
▲ 0.50% · 4.625%
HK$19,618
+HK$982/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,272/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$209,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,072
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,665
−HK$603/mo
Today · 4.125%
HK$20,268
baseline
▲ 0.50% · 4.625%
HK$21,501
+HK$1,233/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,536/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,217
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,786
−HK$577/mo
Today · 4.125%
HK$22,363
baseline
▲ 0.50% · 4.625%
HK$23,542
+HK$1,179/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,726/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,250
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,942
−HK$704/mo
Today · 4.125%
HK$23,646
baseline
▲ 0.50% · 4.625%
HK$25,084
+HK$1,438/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,292/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,753
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,417
−HK$674/mo
Today · 4.125%
HK$26,091
baseline
▲ 0.50% · 4.625%
HK$27,466
+HK$1,375/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,182/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,607
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,497
−HK$904/mo
Today · 4.125%
HK$30,401
baseline
▲ 0.50% · 4.625%
HK$32,251
+HK$1,850/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$60,802/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,826
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,679
−HK$866/mo
Today · 4.125%
HK$33,545
baseline
▲ 0.50% · 4.625%
HK$35,313
+HK$1,768/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$67,090/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,096 · 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).