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$14,975
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,441
−HK$473/mo
Today · 4.125%
HK$15,914
baseline
▲ 0.50% · 4.625%
HK$16,882
+HK$968/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,828/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$191,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,660
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,106
−HK$454/mo
Today · 4.125%
HK$17,560
baseline
▲ 0.50% · 4.625%
HK$18,485
+HK$925/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,120/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$191,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,970
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,529
−HK$568/mo
Today · 4.125%
HK$19,097
baseline
▲ 0.50% · 4.625%
HK$20,259
+HK$1,162/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$38,194/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,992
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,528
−HK$544/mo
Today · 4.125%
HK$21,072
baseline
▲ 0.50% · 4.625%
HK$22,182
+HK$1,110/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$42,144/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,965
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,617
−HK$663/mo
Today · 4.125%
HK$22,280
baseline
▲ 0.50% · 4.625%
HK$23,635
+HK$1,355/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,560/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,323
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,949
−HK$635/mo
Today · 4.125%
HK$24,584
baseline
▲ 0.50% · 4.625%
HK$25,879
+HK$1,295/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,168/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,955
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,794
−HK$851/mo
Today · 4.125%
HK$28,645
baseline
▲ 0.50% · 4.625%
HK$30,388
+HK$1,743/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$57,290/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$191,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,987
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,792
−HK$815/mo
Today · 4.125%
HK$31,607
baseline
▲ 0.50% · 4.625%
HK$33,273
+HK$1,666/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$63,214/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$191,728 · 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).