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$15,793
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,284
−HK$499/mo
Today · 4.125%
HK$16,783
baseline
▲ 0.50% · 4.625%
HK$17,805
+HK$1,022/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,566/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,569
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,041
−HK$478/mo
Today · 4.125%
HK$18,519
baseline
▲ 0.50% · 4.625%
HK$19,495
+HK$976/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$37,038/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,952
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,541
−HK$599/mo
Today · 4.125%
HK$20,140
baseline
▲ 0.50% · 4.625%
HK$21,365
+HK$1,225/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,280/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,083
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,649
−HK$573/mo
Today · 4.125%
HK$22,222
baseline
▲ 0.50% · 4.625%
HK$23,394
+HK$1,172/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,444/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,110
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,798
−HK$699/mo
Today · 4.125%
HK$23,497
baseline
▲ 0.50% · 4.625%
HK$24,926
+HK$1,429/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$46,994/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,597
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,257
−HK$669/mo
Today · 4.125%
HK$25,926
baseline
▲ 0.50% · 4.625%
HK$27,293
+HK$1,367/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,852/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,427
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,312
−HK$898/mo
Today · 4.125%
HK$30,210
baseline
▲ 0.50% · 4.625%
HK$32,048
+HK$1,838/mo
Deposit HK$693K · loan HK$6.23M · min. income ≈ HK$60,420/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,625
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,473
−HK$861/mo
Today · 4.125%
HK$33,334
baseline
▲ 0.50% · 4.625%
HK$35,091
+HK$1,757/mo
Deposit HK$693K · loan HK$6.23M · min. income ≈ HK$66,668/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,779 · 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).