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$14,947
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,412
−HK$472/mo
Today · 4.125%
HK$15,884
baseline
▲ 0.50% · 4.625%
HK$16,851
+HK$967/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,768/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,628
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,074
−HK$453/mo
Today · 4.125%
HK$17,527
baseline
▲ 0.50% · 4.625%
HK$18,451
+HK$924/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,054/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,937
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,494
−HK$567/mo
Today · 4.125%
HK$19,061
baseline
▲ 0.50% · 4.625%
HK$20,221
+HK$1,160/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,122/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,954
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,489
−HK$543/mo
Today · 4.125%
HK$21,032
baseline
▲ 0.50% · 4.625%
HK$22,141
+HK$1,109/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,064/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,926
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,577
−HK$661/mo
Today · 4.125%
HK$22,238
baseline
▲ 0.50% · 4.625%
HK$23,591
+HK$1,353/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,476/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,280
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,904
−HK$634/mo
Today · 4.125%
HK$24,538
baseline
▲ 0.50% · 4.625%
HK$25,831
+HK$1,293/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,076/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,905
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,742
−HK$850/mo
Today · 4.125%
HK$28,592
baseline
▲ 0.50% · 4.625%
HK$30,332
+HK$1,740/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$57,184/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$190,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,931
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,734
−HK$814/mo
Today · 4.125%
HK$31,548
baseline
▲ 0.50% · 4.625%
HK$33,211
+HK$1,663/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$63,096/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$190,501 · 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).