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$14,899
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,363
−HK$471/mo
Today · 4.125%
HK$15,834
baseline
▲ 0.50% · 4.625%
HK$16,797
+HK$963/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,668/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,575
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,020
−HK$451/mo
Today · 4.125%
HK$17,471
baseline
▲ 0.50% · 4.625%
HK$18,392
+HK$921/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,942/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,879
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,435
−HK$565/mo
Today · 4.125%
HK$19,000
baseline
▲ 0.50% · 4.625%
HK$20,156
+HK$1,156/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$38,000/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,890
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,424
−HK$541/mo
Today · 4.125%
HK$20,965
baseline
▲ 0.50% · 4.625%
HK$22,070
+HK$1,105/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,930/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,859
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,508
−HK$659/mo
Today · 4.125%
HK$22,167
baseline
▲ 0.50% · 4.625%
HK$23,516
+HK$1,349/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,334/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,205
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,828
−HK$631/mo
Today · 4.125%
HK$24,459
baseline
▲ 0.50% · 4.625%
HK$25,748
+HK$1,289/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,918/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,819
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,653
−HK$848/mo
Today · 4.125%
HK$28,501
baseline
▲ 0.50% · 4.625%
HK$30,235
+HK$1,734/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$57,002/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$188,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,836
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,636
−HK$812/mo
Today · 4.125%
HK$31,448
baseline
▲ 0.50% · 4.625%
HK$33,105
+HK$1,657/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$62,896/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$188,405 · 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).