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$15,719
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,208
−HK$497/mo
Today · 4.125%
HK$16,705
baseline
▲ 0.50% · 4.625%
HK$17,721
+HK$1,016/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,410/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,487
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,956
−HK$476/mo
Today · 4.125%
HK$18,432
baseline
▲ 0.50% · 4.625%
HK$19,404
+HK$972/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,864/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,863
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,449
−HK$597/mo
Today · 4.125%
HK$20,046
baseline
▲ 0.50% · 4.625%
HK$21,265
+HK$1,219/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,092/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,985
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,547
−HK$571/mo
Today · 4.125%
HK$22,118
baseline
▲ 0.50% · 4.625%
HK$23,284
+HK$1,166/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,236/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,007
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,691
−HK$696/mo
Today · 4.125%
HK$23,387
baseline
▲ 0.50% · 4.625%
HK$24,810
+HK$1,423/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,774/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,482
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,139
−HK$666/mo
Today · 4.125%
HK$25,805
baseline
▲ 0.50% · 4.625%
HK$27,165
+HK$1,360/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,610/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,294
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,174
−HK$894/mo
Today · 4.125%
HK$30,068
baseline
▲ 0.50% · 4.625%
HK$31,898
+HK$1,830/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$60,136/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,477
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,321
−HK$857/mo
Today · 4.125%
HK$33,178
baseline
▲ 0.50% · 4.625%
HK$34,926
+HK$1,748/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$66,356/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,806 · 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).