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$15,532
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,015
−HK$491/mo
Today · 4.125%
HK$16,506
baseline
▲ 0.50% · 4.625%
HK$17,510
+HK$1,004/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,012/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,279
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,742
−HK$471/mo
Today · 4.125%
HK$18,213
baseline
▲ 0.50% · 4.625%
HK$19,173
+HK$960/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,426/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,638
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,218
−HK$589/mo
Today · 4.125%
HK$19,807
baseline
▲ 0.50% · 4.625%
HK$21,012
+HK$1,205/mo
Deposit HK$2.72M · loan HK$4.09M · min. income ≈ HK$39,614/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,735
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,291
−HK$564/mo
Today · 4.125%
HK$21,855
baseline
▲ 0.50% · 4.625%
HK$23,007
+HK$1,152/mo
Deposit HK$2.72M · loan HK$4.09M · min. income ≈ HK$43,710/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,745
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,421
−HK$687/mo
Today · 4.125%
HK$23,108
baseline
▲ 0.50% · 4.625%
HK$24,514
+HK$1,406/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$46,216/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,191
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,839
−HK$659/mo
Today · 4.125%
HK$25,498
baseline
▲ 0.50% · 4.625%
HK$26,842
+HK$1,344/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$50,996/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,957
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,827
−HK$883/mo
Today · 4.125%
HK$29,710
baseline
▲ 0.50% · 4.625%
HK$31,518
+HK$1,808/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$59,420/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,102
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,936
−HK$847/mo
Today · 4.125%
HK$32,783
baseline
▲ 0.50% · 4.625%
HK$34,511
+HK$1,728/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$65,566/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,344 · 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).