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$15,466
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,947
−HK$489/mo
Today · 4.125%
HK$16,436
baseline
▲ 0.50% · 4.625%
HK$17,436
+HK$1,000/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,872/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,206
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,668
−HK$468/mo
Today · 4.125%
HK$18,136
baseline
▲ 0.50% · 4.625%
HK$19,092
+HK$956/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,272/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,560
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,137
−HK$586/mo
Today · 4.125%
HK$19,723
baseline
▲ 0.50% · 4.625%
HK$20,924
+HK$1,201/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,446/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,647
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,201
−HK$562/mo
Today · 4.125%
HK$21,763
baseline
▲ 0.50% · 4.625%
HK$22,910
+HK$1,147/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,526/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,653
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,326
−HK$685/mo
Today · 4.125%
HK$23,011
baseline
▲ 0.50% · 4.625%
HK$24,411
+HK$1,400/mo
Deposit HK$2.03M · loan HK$4.75M · min. income ≈ HK$46,022/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,089
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,735
−HK$655/mo
Today · 4.125%
HK$25,390
baseline
▲ 0.50% · 4.625%
HK$26,728
+HK$1,338/mo
Deposit HK$2.03M · loan HK$4.75M · min. income ≈ HK$50,780/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,839
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,705
−HK$880/mo
Today · 4.125%
HK$29,585
baseline
▲ 0.50% · 4.625%
HK$31,385
+HK$1,800/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$59,170/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,971
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,802
−HK$842/mo
Today · 4.125%
HK$32,644
baseline
▲ 0.50% · 4.625%
HK$34,365
+HK$1,721/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$65,288/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,482 · 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).