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$15,821
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,313
−HK$500/mo
Today · 4.125%
HK$16,813
baseline
▲ 0.50% · 4.625%
HK$17,836
+HK$1,023/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,626/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,601
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,073
−HK$479/mo
Today · 4.125%
HK$18,552
baseline
▲ 0.50% · 4.625%
HK$19,530
+HK$978/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,104/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,985
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,576
−HK$600/mo
Today · 4.125%
HK$20,176
baseline
▲ 0.50% · 4.625%
HK$21,404
+HK$1,228/mo
Deposit HK$2.78M · loan HK$4.16M · min. income ≈ HK$40,352/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,121
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,687
−HK$575/mo
Today · 4.125%
HK$22,262
baseline
▲ 0.50% · 4.625%
HK$23,436
+HK$1,174/mo
Deposit HK$2.78M · loan HK$4.16M · min. income ≈ HK$44,524/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,150
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,839
−HK$700/mo
Today · 4.125%
HK$23,539
baseline
▲ 0.50% · 4.625%
HK$24,971
+HK$1,432/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,078/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,641
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,302
−HK$670/mo
Today · 4.125%
HK$25,972
baseline
▲ 0.50% · 4.625%
HK$27,342
+HK$1,370/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$51,944/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,478
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,364
−HK$900/mo
Today · 4.125%
HK$30,264
baseline
▲ 0.50% · 4.625%
HK$32,105
+HK$1,841/mo
Deposit HK$694K · loan HK$6.24M · min. income ≈ HK$60,528/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,682
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,531
−HK$862/mo
Today · 4.125%
HK$33,393
baseline
▲ 0.50% · 4.625%
HK$35,153
+HK$1,760/mo
Deposit HK$694K · loan HK$6.24M · min. income ≈ HK$66,786/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,150 · 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).