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$16,425
−HK$503/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$209,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,721
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,196
−HK$483/mo
Today · 4.125%
HK$18,679
baseline
▲ 0.50% · 4.625%
HK$19,663
+HK$984/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,358/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,115
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,710
−HK$604/mo
Today · 4.125%
HK$20,314
baseline
▲ 0.50% · 4.625%
HK$21,550
+HK$1,236/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$40,628/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,265
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,836
−HK$578/mo
Today · 4.125%
HK$22,414
baseline
▲ 0.50% · 4.625%
HK$23,596
+HK$1,182/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$209,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,301
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,995
−HK$704/mo
Today · 4.125%
HK$23,699
baseline
▲ 0.50% · 4.625%
HK$25,142
+HK$1,443/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$209,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,810
−HK$1,340/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$209,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,673
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,565
−HK$906/mo
Today · 4.125%
HK$30,471
baseline
▲ 0.50% · 4.625%
HK$32,325
+HK$1,854/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$60,942/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,898
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,754
−HK$868/mo
Today · 4.125%
HK$33,622
baseline
▲ 0.50% · 4.625%
HK$35,394
+HK$1,772/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$67,244/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,573 · 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).