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$15,846
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,339
−HK$501/mo
Today · 4.125%
HK$16,840
baseline
▲ 0.50% · 4.625%
HK$17,865
+HK$1,025/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,680/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,629
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,102
−HK$479/mo
Today · 4.125%
HK$18,581
baseline
▲ 0.50% · 4.625%
HK$19,561
+HK$980/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,162/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,016
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,607
−HK$601/mo
Today · 4.125%
HK$20,208
baseline
▲ 0.50% · 4.625%
HK$21,438
+HK$1,230/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,416/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,155
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,722
−HK$576/mo
Today · 4.125%
HK$22,298
baseline
▲ 0.50% · 4.625%
HK$23,473
+HK$1,175/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,596/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,185
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,875
−HK$701/mo
Today · 4.125%
HK$23,576
baseline
▲ 0.50% · 4.625%
HK$25,011
+HK$1,435/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,152/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,681
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,342
−HK$672/mo
Today · 4.125%
HK$26,014
baseline
▲ 0.50% · 4.625%
HK$27,385
+HK$1,371/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$52,028/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,523
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,411
−HK$901/mo
Today · 4.125%
HK$30,312
baseline
▲ 0.50% · 4.625%
HK$32,157
+HK$1,845/mo
Deposit HK$695K · loan HK$6.25M · min. income ≈ HK$60,624/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,732
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,583
−HK$863/mo
Today · 4.125%
HK$33,446
baseline
▲ 0.50% · 4.625%
HK$35,209
+HK$1,763/mo
Deposit HK$695K · loan HK$6.25M · min. income ≈ HK$66,892/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,482 · 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).