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$15,897
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,392
−HK$502/mo
Today · 4.125%
HK$16,894
baseline
▲ 0.50% · 4.625%
HK$17,922
+HK$1,028/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,788/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$209,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,685
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,160
−HK$481/mo
Today · 4.125%
HK$18,641
baseline
▲ 0.50% · 4.625%
HK$19,623
+HK$982/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,282/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$209,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,076
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,670
−HK$603/mo
Today · 4.125%
HK$20,273
baseline
▲ 0.50% · 4.625%
HK$21,506
+HK$1,233/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,546/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,222
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,792
−HK$577/mo
Today · 4.125%
HK$22,369
baseline
▲ 0.50% · 4.625%
HK$23,548
+HK$1,179/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,738/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,256
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,948
−HK$704/mo
Today · 4.125%
HK$23,652
baseline
▲ 0.50% · 4.625%
HK$25,091
+HK$1,439/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,304/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,759
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,423
−HK$674/mo
Today · 4.125%
HK$26,097
baseline
▲ 0.50% · 4.625%
HK$27,473
+HK$1,376/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,194/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,615
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,505
−HK$904/mo
Today · 4.125%
HK$30,409
baseline
▲ 0.50% · 4.625%
HK$32,259
+HK$1,850/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$60,818/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,834
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,687
−HK$866/mo
Today · 4.125%
HK$33,553
baseline
▲ 0.50% · 4.625%
HK$35,322
+HK$1,769/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$67,106/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,149 · 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).