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$15,807
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,299
−HK$499/mo
Today · 4.125%
HK$16,798
baseline
▲ 0.50% · 4.625%
HK$17,820
+HK$1,022/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,596/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,585
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,057
−HK$478/mo
Today · 4.125%
HK$18,535
baseline
▲ 0.50% · 4.625%
HK$19,512
+HK$977/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,070/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,968
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,559
−HK$599/mo
Today · 4.125%
HK$20,158
baseline
▲ 0.50% · 4.625%
HK$21,385
+HK$1,227/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,316/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,102
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,668
−HK$574/mo
Today · 4.125%
HK$22,242
baseline
▲ 0.50% · 4.625%
HK$23,415
+HK$1,173/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,484/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,130
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,818
−HK$700/mo
Today · 4.125%
HK$23,518
baseline
▲ 0.50% · 4.625%
HK$24,949
+HK$1,431/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$47,036/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,619
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,280
−HK$669/mo
Today · 4.125%
HK$25,949
baseline
▲ 0.50% · 4.625%
HK$27,317
+HK$1,368/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,898/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,453
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,338
−HK$899/mo
Today · 4.125%
HK$30,237
baseline
▲ 0.50% · 4.625%
HK$32,077
+HK$1,840/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$60,474/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,653
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,502
−HK$862/mo
Today · 4.125%
HK$33,364
baseline
▲ 0.50% · 4.625%
HK$35,122
+HK$1,758/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$66,728/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,965 · 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).