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$15,923
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,418
−HK$503/mo
Today · 4.125%
HK$16,921
baseline
▲ 0.50% · 4.625%
HK$17,951
+HK$1,030/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,842/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,714
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,189
−HK$482/mo
Today · 4.125%
HK$18,671
baseline
▲ 0.50% · 4.625%
HK$19,655
+HK$984/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,342/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,107
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,701
−HK$604/mo
Today · 4.125%
HK$20,305
baseline
▲ 0.50% · 4.625%
HK$21,541
+HK$1,236/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$40,610/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,256
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,826
−HK$579/mo
Today · 4.125%
HK$22,405
baseline
▲ 0.50% · 4.625%
HK$23,586
+HK$1,181/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$44,810/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,292
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,985
−HK$704/mo
Today · 4.125%
HK$23,689
baseline
▲ 0.50% · 4.625%
HK$25,131
+HK$1,442/mo
Deposit HK$2.09M · loan HK$4.89M · min. income ≈ HK$47,378/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,799
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,464
−HK$675/mo
Today · 4.125%
HK$26,139
baseline
▲ 0.50% · 4.625%
HK$27,517
+HK$1,378/mo
Deposit HK$2.09M · loan HK$4.89M · min. income ≈ HK$52,278/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,661
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,552
−HK$906/mo
Today · 4.125%
HK$30,458
baseline
▲ 0.50% · 4.625%
HK$32,311
+HK$1,853/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$60,916/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,885
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,740
−HK$867/mo
Today · 4.125%
HK$33,607
baseline
▲ 0.50% · 4.625%
HK$35,379
+HK$1,772/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$67,214/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$209,484 · 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).