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$15,899
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,394
−HK$502/mo
Today · 4.125%
HK$16,896
baseline
▲ 0.50% · 4.625%
HK$17,924
+HK$1,028/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,792/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,688
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,162
−HK$481/mo
Today · 4.125%
HK$18,643
baseline
▲ 0.50% · 4.625%
HK$19,626
+HK$983/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,286/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,079
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,672
−HK$603/mo
Today · 4.125%
HK$20,275
baseline
▲ 0.50% · 4.625%
HK$21,509
+HK$1,234/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,550/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,225
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,794
−HK$578/mo
Today · 4.125%
HK$22,372
baseline
▲ 0.50% · 4.625%
HK$23,551
+HK$1,179/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,744/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,259
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,951
−HK$704/mo
Today · 4.125%
HK$23,655
baseline
▲ 0.50% · 4.625%
HK$25,094
+HK$1,439/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,310/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,763
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,427
−HK$674/mo
Today · 4.125%
HK$26,101
baseline
▲ 0.50% · 4.625%
HK$27,476
+HK$1,375/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,202/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,618
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,509
−HK$904/mo
Today · 4.125%
HK$30,413
baseline
▲ 0.50% · 4.625%
HK$32,264
+HK$1,851/mo
Deposit HK$697K · loan HK$6.28M · min. income ≈ HK$60,826/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,838
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,692
−HK$866/mo
Today · 4.125%
HK$33,558
baseline
▲ 0.50% · 4.625%
HK$35,327
+HK$1,769/mo
Deposit HK$697K · loan HK$6.28M · min. income ≈ HK$67,116/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,176 · 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).