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$15,711
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,200
−HK$496/mo
Today · 4.125%
HK$16,696
baseline
▲ 0.50% · 4.625%
HK$17,712
+HK$1,016/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,392/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,479
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,947
−HK$476/mo
Today · 4.125%
HK$18,423
baseline
▲ 0.50% · 4.625%
HK$19,394
+HK$971/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,846/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,853
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,440
−HK$596/mo
Today · 4.125%
HK$20,036
baseline
▲ 0.50% · 4.625%
HK$21,255
+HK$1,219/mo
Deposit HK$2.76M · loan HK$4.13M · min. income ≈ HK$40,072/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,974
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,537
−HK$570/mo
Today · 4.125%
HK$22,107
baseline
▲ 0.50% · 4.625%
HK$23,273
+HK$1,166/mo
Deposit HK$2.76M · loan HK$4.13M · min. income ≈ HK$44,214/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,996
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,680
−HK$695/mo
Today · 4.125%
HK$23,375
baseline
▲ 0.50% · 4.625%
HK$24,797
+HK$1,422/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$46,750/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,470
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,126
−HK$666/mo
Today · 4.125%
HK$25,792
baseline
▲ 0.50% · 4.625%
HK$27,151
+HK$1,359/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$51,584/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,280
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,160
−HK$894/mo
Today · 4.125%
HK$30,054
baseline
▲ 0.50% · 4.625%
HK$31,882
+HK$1,828/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$60,108/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,461
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,305
−HK$856/mo
Today · 4.125%
HK$33,161
baseline
▲ 0.50% · 4.625%
HK$34,909
+HK$1,748/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$66,322/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,703 · 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).