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$15,891
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,385
−HK$503/mo
Today · 4.125%
HK$16,888
baseline
▲ 0.50% · 4.625%
HK$17,915
+HK$1,027/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,776/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$209,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,679
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,153
−HK$481/mo
Today · 4.125%
HK$18,634
baseline
▲ 0.50% · 4.625%
HK$19,616
+HK$982/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,268/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$209,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,069
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,663
−HK$602/mo
Today · 4.125%
HK$20,265
baseline
▲ 0.50% · 4.625%
HK$21,498
+HK$1,233/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,530/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,215
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,783
−HK$578/mo
Today · 4.125%
HK$22,361
baseline
▲ 0.50% · 4.625%
HK$23,539
+HK$1,178/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,722/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,248
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,940
−HK$703/mo
Today · 4.125%
HK$23,643
baseline
▲ 0.50% · 4.625%
HK$25,081
+HK$1,438/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,286/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,750
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,414
−HK$673/mo
Today · 4.125%
HK$26,087
baseline
▲ 0.50% · 4.625%
HK$27,463
+HK$1,376/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,174/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,604
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,494
−HK$904/mo
Today · 4.125%
HK$30,398
baseline
▲ 0.50% · 4.625%
HK$32,247
+HK$1,849/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$60,796/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,822
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,675
−HK$866/mo
Today · 4.125%
HK$33,541
baseline
▲ 0.50% · 4.625%
HK$35,309
+HK$1,768/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$67,082/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,071 · 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).