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$15,909
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,404
−HK$502/mo
Today · 4.125%
HK$16,906
baseline
▲ 0.50% · 4.625%
HK$17,935
+HK$1,029/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,812/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,698
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,173
−HK$481/mo
Today · 4.125%
HK$18,654
baseline
▲ 0.50% · 4.625%
HK$19,638
+HK$984/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,308/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,090
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,684
−HK$604/mo
Today · 4.125%
HK$20,288
baseline
▲ 0.50% · 4.625%
HK$21,522
+HK$1,234/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$40,576/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,238
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,807
−HK$578/mo
Today · 4.125%
HK$22,385
baseline
▲ 0.50% · 4.625%
HK$23,565
+HK$1,180/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$44,770/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,272
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,965
−HK$704/mo
Today · 4.125%
HK$23,669
baseline
▲ 0.50% · 4.625%
HK$25,109
+HK$1,440/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,338/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,778
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,442
−HK$674/mo
Today · 4.125%
HK$26,116
baseline
▲ 0.50% · 4.625%
HK$27,493
+HK$1,377/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,232/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,636
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,526
−HK$905/mo
Today · 4.125%
HK$30,431
baseline
▲ 0.50% · 4.625%
HK$32,283
+HK$1,852/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$60,862/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,857
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,711
−HK$867/mo
Today · 4.125%
HK$33,578
baseline
▲ 0.50% · 4.625%
HK$35,348
+HK$1,770/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$67,156/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,302 · 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).