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$15,897
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,392
−HK$502/mo
Today · 4.125%
HK$16,894
baseline
▲ 0.50% · 4.625%
HK$17,922
+HK$1,028/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,788/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,686
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,160
−HK$481/mo
Today · 4.125%
HK$18,641
baseline
▲ 0.50% · 4.625%
HK$19,624
+HK$983/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,282/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,077
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,670
−HK$603/mo
Today · 4.125%
HK$20,273
baseline
▲ 0.50% · 4.625%
HK$21,507
+HK$1,234/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,546/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,223
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,792
−HK$578/mo
Today · 4.125%
HK$22,370
baseline
▲ 0.50% · 4.625%
HK$23,549
+HK$1,179/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,740/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,256
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,949
−HK$703/mo
Today · 4.125%
HK$23,652
baseline
▲ 0.50% · 4.625%
HK$25,091
+HK$1,439/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,304/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,760
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,424
−HK$674/mo
Today · 4.125%
HK$26,098
baseline
▲ 0.50% · 4.625%
HK$27,473
+HK$1,375/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,196/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,615
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,506
−HK$904/mo
Today · 4.125%
HK$30,410
baseline
▲ 0.50% · 4.625%
HK$32,260
+HK$1,850/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$60,820/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,834
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,688
−HK$866/mo
Today · 4.125%
HK$33,554
baseline
▲ 0.50% · 4.625%
HK$35,323
+HK$1,769/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$67,108/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,154 · 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).