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$15,805
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,297
−HK$499/mo
Today · 4.125%
HK$16,796
baseline
▲ 0.50% · 4.625%
HK$17,818
+HK$1,022/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,592/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,583
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,054
−HK$479/mo
Today · 4.125%
HK$18,533
baseline
▲ 0.50% · 4.625%
HK$19,510
+HK$977/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,066/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,966
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,556
−HK$599/mo
Today · 4.125%
HK$20,155
baseline
▲ 0.50% · 4.625%
HK$21,382
+HK$1,227/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,310/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,099
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,665
−HK$574/mo
Today · 4.125%
HK$22,239
baseline
▲ 0.50% · 4.625%
HK$23,412
+HK$1,173/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,478/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,127
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,815
−HK$700/mo
Today · 4.125%
HK$23,515
baseline
▲ 0.50% · 4.625%
HK$24,945
+HK$1,430/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$47,030/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,616
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,276
−HK$670/mo
Today · 4.125%
HK$25,946
baseline
▲ 0.50% · 4.625%
HK$27,314
+HK$1,368/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,892/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,449
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,334
−HK$899/mo
Today · 4.125%
HK$30,233
baseline
▲ 0.50% · 4.625%
HK$32,073
+HK$1,840/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$60,466/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,649
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,498
−HK$861/mo
Today · 4.125%
HK$33,359
baseline
▲ 0.50% · 4.625%
HK$35,118
+HK$1,759/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$66,718/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,938 · 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).