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$15,880
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,374
−HK$502/mo
Today · 4.125%
HK$16,876
baseline
▲ 0.50% · 4.625%
HK$17,903
+HK$1,027/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,752/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,667
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,140
−HK$481/mo
Today · 4.125%
HK$18,621
baseline
▲ 0.50% · 4.625%
HK$19,603
+HK$982/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,242/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,056
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,649
−HK$602/mo
Today · 4.125%
HK$20,251
baseline
▲ 0.50% · 4.625%
HK$21,484
+HK$1,233/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,502/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,200
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,769
−HK$576/mo
Today · 4.125%
HK$22,345
baseline
▲ 0.50% · 4.625%
HK$23,523
+HK$1,178/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,690/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,232
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,924
−HK$703/mo
Today · 4.125%
HK$23,627
baseline
▲ 0.50% · 4.625%
HK$25,064
+HK$1,437/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,254/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,733
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,397
−HK$673/mo
Today · 4.125%
HK$26,070
baseline
▲ 0.50% · 4.625%
HK$27,444
+HK$1,374/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,140/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,585
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,474
−HK$903/mo
Today · 4.125%
HK$30,377
baseline
▲ 0.50% · 4.625%
HK$32,225
+HK$1,848/mo
Deposit HK$696K · loan HK$6.27M · min. income ≈ HK$60,754/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,800
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,653
−HK$865/mo
Today · 4.125%
HK$33,518
baseline
▲ 0.50% · 4.625%
HK$35,285
+HK$1,767/mo
Deposit HK$696K · loan HK$6.27M · min. income ≈ HK$67,036/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,928 · 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).