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$15,895
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,389
−HK$503/mo
Today · 4.125%
HK$16,892
baseline
▲ 0.50% · 4.625%
HK$17,919
+HK$1,027/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,784/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$209,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,683
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,157
−HK$481/mo
Today · 4.125%
HK$18,638
baseline
▲ 0.50% · 4.625%
HK$19,621
+HK$983/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,276/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$209,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,074
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,667
−HK$603/mo
Today · 4.125%
HK$20,270
baseline
▲ 0.50% · 4.625%
HK$21,503
+HK$1,233/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,540/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,219
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,789
−HK$577/mo
Today · 4.125%
HK$22,366
baseline
▲ 0.50% · 4.625%
HK$23,545
+HK$1,179/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,732/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,253
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,945
−HK$703/mo
Today · 4.125%
HK$23,648
baseline
▲ 0.50% · 4.625%
HK$25,087
+HK$1,439/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,296/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,756
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,420
−HK$674/mo
Today · 4.125%
HK$26,094
baseline
▲ 0.50% · 4.625%
HK$27,469
+HK$1,375/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,188/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,611
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,501
−HK$904/mo
Today · 4.125%
HK$30,405
baseline
▲ 0.50% · 4.625%
HK$32,255
+HK$1,850/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$60,810/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,829
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,683
−HK$866/mo
Today · 4.125%
HK$33,549
baseline
▲ 0.50% · 4.625%
HK$35,317
+HK$1,768/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$67,098/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$209,120 · 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).