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$15,686
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,174
−HK$496/mo
Today · 4.125%
HK$16,670
baseline
▲ 0.50% · 4.625%
HK$17,684
+HK$1,014/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,340/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,451
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,919
−HK$474/mo
Today · 4.125%
HK$18,393
baseline
▲ 0.50% · 4.625%
HK$19,363
+HK$970/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,786/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,823
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,409
−HK$595/mo
Today · 4.125%
HK$20,004
baseline
▲ 0.50% · 4.625%
HK$21,221
+HK$1,217/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$40,008/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,941
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,502
−HK$570/mo
Today · 4.125%
HK$22,072
baseline
▲ 0.50% · 4.625%
HK$23,236
+HK$1,164/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$44,144/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,961
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,644
−HK$694/mo
Today · 4.125%
HK$23,338
baseline
▲ 0.50% · 4.625%
HK$24,758
+HK$1,420/mo
Deposit HK$2.06M · loan HK$4.82M · min. income ≈ HK$46,676/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,431
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,086
−HK$665/mo
Today · 4.125%
HK$25,751
baseline
▲ 0.50% · 4.625%
HK$27,108
+HK$1,357/mo
Deposit HK$2.06M · loan HK$4.82M · min. income ≈ HK$51,502/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,235
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,113
−HK$893/mo
Today · 4.125%
HK$30,006
baseline
▲ 0.50% · 4.625%
HK$31,831
+HK$1,825/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$60,012/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,411
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,254
−HK$854/mo
Today · 4.125%
HK$33,108
baseline
▲ 0.50% · 4.625%
HK$34,853
+HK$1,745/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$66,216/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,374 · 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).