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$15,892
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,386
−HK$503/mo
Today · 4.125%
HK$16,889
baseline
▲ 0.50% · 4.625%
HK$17,916
+HK$1,027/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,778/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$209,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,680
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,154
−HK$481/mo
Today · 4.125%
HK$18,635
baseline
▲ 0.50% · 4.625%
HK$19,617
+HK$982/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,270/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$209,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,070
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,664
−HK$602/mo
Today · 4.125%
HK$20,266
baseline
▲ 0.50% · 4.625%
HK$21,499
+HK$1,233/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,532/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,216
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,785
−HK$577/mo
Today · 4.125%
HK$22,362
baseline
▲ 0.50% · 4.625%
HK$23,540
+HK$1,178/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,724/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,249
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,941
−HK$703/mo
Today · 4.125%
HK$23,644
baseline
▲ 0.50% · 4.625%
HK$25,083
+HK$1,439/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,288/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,751
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,415
−HK$674/mo
Today · 4.125%
HK$26,089
baseline
▲ 0.50% · 4.625%
HK$27,464
+HK$1,375/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,178/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,606
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,495
−HK$904/mo
Today · 4.125%
HK$30,399
baseline
▲ 0.50% · 4.625%
HK$32,249
+HK$1,850/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$60,798/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,823
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,677
−HK$866/mo
Today · 4.125%
HK$33,543
baseline
▲ 0.50% · 4.625%
HK$35,311
+HK$1,768/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$67,086/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,082 · 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).