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$15,477
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,958
−HK$489/mo
Today · 4.125%
HK$16,447
baseline
▲ 0.50% · 4.625%
HK$17,448
+HK$1,001/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,894/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,218
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,679
−HK$469/mo
Today · 4.125%
HK$18,148
baseline
▲ 0.50% · 4.625%
HK$19,104
+HK$956/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,296/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,572
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,150
−HK$587/mo
Today · 4.125%
HK$19,737
baseline
▲ 0.50% · 4.625%
HK$20,938
+HK$1,201/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,474/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,661
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,215
−HK$562/mo
Today · 4.125%
HK$21,777
baseline
▲ 0.50% · 4.625%
HK$22,925
+HK$1,148/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,554/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,667
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,341
−HK$685/mo
Today · 4.125%
HK$23,026
baseline
▲ 0.50% · 4.625%
HK$24,427
+HK$1,401/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$46,052/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,105
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,751
−HK$656/mo
Today · 4.125%
HK$25,407
baseline
▲ 0.50% · 4.625%
HK$26,746
+HK$1,339/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$50,814/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,858
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,725
−HK$880/mo
Today · 4.125%
HK$29,605
baseline
▲ 0.50% · 4.625%
HK$31,406
+HK$1,801/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$59,210/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,992
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,823
−HK$843/mo
Today · 4.125%
HK$32,666
baseline
▲ 0.50% · 4.625%
HK$34,388
+HK$1,722/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$65,332/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,618 · 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).