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$15,626
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,112
−HK$493/mo
Today · 4.125%
HK$16,605
baseline
▲ 0.50% · 4.625%
HK$17,616
+HK$1,011/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,210/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,383
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,849
−HK$473/mo
Today · 4.125%
HK$18,322
baseline
▲ 0.50% · 4.625%
HK$19,288
+HK$966/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,644/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,751
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,334
−HK$593/mo
Today · 4.125%
HK$19,927
baseline
▲ 0.50% · 4.625%
HK$21,139
+HK$1,212/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,854/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,860
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,419
−HK$568/mo
Today · 4.125%
HK$21,987
baseline
▲ 0.50% · 4.625%
HK$23,146
+HK$1,159/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,974/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,876
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,556
−HK$692/mo
Today · 4.125%
HK$23,248
baseline
▲ 0.50% · 4.625%
HK$24,662
+HK$1,414/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,496/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,337
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,989
−HK$662/mo
Today · 4.125%
HK$25,651
baseline
▲ 0.50% · 4.625%
HK$27,004
+HK$1,353/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,302/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,126
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,001
−HK$889/mo
Today · 4.125%
HK$29,890
baseline
▲ 0.50% · 4.625%
HK$31,708
+HK$1,818/mo
Deposit HK$685K · loan HK$6.17M · min. income ≈ HK$59,780/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,290
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,129
−HK$851/mo
Today · 4.125%
HK$32,980
baseline
▲ 0.50% · 4.625%
HK$34,719
+HK$1,739/mo
Deposit HK$685K · loan HK$6.17M · min. income ≈ HK$65,960/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,577 · 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).