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$15,796
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,287
−HK$499/mo
Today · 4.125%
HK$16,786
baseline
▲ 0.50% · 4.625%
HK$17,808
+HK$1,022/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,572/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,573
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,044
−HK$478/mo
Today · 4.125%
HK$18,522
baseline
▲ 0.50% · 4.625%
HK$19,498
+HK$976/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$37,044/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,955
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,544
−HK$599/mo
Today · 4.125%
HK$20,143
baseline
▲ 0.50% · 4.625%
HK$21,369
+HK$1,226/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,286/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,087
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,653
−HK$573/mo
Today · 4.125%
HK$22,226
baseline
▲ 0.50% · 4.625%
HK$23,398
+HK$1,172/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,452/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,114
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,802
−HK$699/mo
Today · 4.125%
HK$23,501
baseline
▲ 0.50% · 4.625%
HK$24,931
+HK$1,430/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$47,002/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,602
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,261
−HK$670/mo
Today · 4.125%
HK$25,931
baseline
▲ 0.50% · 4.625%
HK$27,298
+HK$1,367/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,862/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,432
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,317
−HK$898/mo
Today · 4.125%
HK$30,215
baseline
▲ 0.50% · 4.625%
HK$32,054
+HK$1,839/mo
Deposit HK$693K · loan HK$6.23M · min. income ≈ HK$60,430/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,631
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,479
−HK$860/mo
Today · 4.125%
HK$33,339
baseline
▲ 0.50% · 4.625%
HK$35,097
+HK$1,758/mo
Deposit HK$693K · loan HK$6.23M · min. income ≈ HK$66,678/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,815 · 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).