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$15,677
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,165
−HK$496/mo
Today · 4.125%
HK$16,661
baseline
▲ 0.50% · 4.625%
HK$17,674
+HK$1,013/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,322/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,441
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,909
−HK$474/mo
Today · 4.125%
HK$18,383
baseline
▲ 0.50% · 4.625%
HK$19,352
+HK$969/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,766/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,813
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,398
−HK$595/mo
Today · 4.125%
HK$19,993
baseline
▲ 0.50% · 4.625%
HK$21,209
+HK$1,216/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$39,986/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,929
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,491
−HK$569/mo
Today · 4.125%
HK$22,060
baseline
▲ 0.50% · 4.625%
HK$23,223
+HK$1,163/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$44,120/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,948
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,631
−HK$694/mo
Today · 4.125%
HK$23,325
baseline
▲ 0.50% · 4.625%
HK$24,744
+HK$1,419/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,650/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,417
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,072
−HK$665/mo
Today · 4.125%
HK$25,737
baseline
▲ 0.50% · 4.625%
HK$27,093
+HK$1,356/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,474/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,219
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,097
−HK$892/mo
Today · 4.125%
HK$29,989
baseline
▲ 0.50% · 4.625%
HK$31,814
+HK$1,825/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$59,978/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,394
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,236
−HK$854/mo
Today · 4.125%
HK$33,090
baseline
▲ 0.50% · 4.625%
HK$34,834
+HK$1,744/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$66,180/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,260 · 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).