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$15,691
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,179
−HK$496/mo
Today · 4.125%
HK$16,675
baseline
▲ 0.50% · 4.625%
HK$17,690
+HK$1,015/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,350/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,456
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,924
−HK$475/mo
Today · 4.125%
HK$18,399
baseline
▲ 0.50% · 4.625%
HK$19,369
+HK$970/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,798/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,829
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,415
−HK$595/mo
Today · 4.125%
HK$20,010
baseline
▲ 0.50% · 4.625%
HK$21,228
+HK$1,218/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$40,020/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,948
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,509
−HK$570/mo
Today · 4.125%
HK$22,079
baseline
▲ 0.50% · 4.625%
HK$23,243
+HK$1,164/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$44,158/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,968
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,651
−HK$694/mo
Today · 4.125%
HK$23,345
baseline
▲ 0.50% · 4.625%
HK$24,766
+HK$1,421/mo
Deposit HK$2.06M · loan HK$4.82M · min. income ≈ HK$46,690/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,439
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,094
−HK$665/mo
Today · 4.125%
HK$25,759
baseline
▲ 0.50% · 4.625%
HK$27,117
+HK$1,358/mo
Deposit HK$2.06M · loan HK$4.82M · min. income ≈ HK$51,518/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,244
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,123
−HK$892/mo
Today · 4.125%
HK$30,015
baseline
▲ 0.50% · 4.625%
HK$31,842
+HK$1,827/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$60,030/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,421
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,264
−HK$855/mo
Today · 4.125%
HK$33,119
baseline
▲ 0.50% · 4.625%
HK$34,865
+HK$1,746/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$66,238/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,441 · 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).