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$14,956
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,421
−HK$473/mo
Today · 4.125%
HK$15,894
baseline
▲ 0.50% · 4.625%
HK$16,861
+HK$967/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,788/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,639
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,085
−HK$453/mo
Today · 4.125%
HK$17,538
baseline
▲ 0.50% · 4.625%
HK$18,462
+HK$924/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,076/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,948
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,506
−HK$567/mo
Today · 4.125%
HK$19,073
baseline
▲ 0.50% · 4.625%
HK$20,234
+HK$1,161/mo
Deposit HK$2.62M · loan HK$3.94M · min. income ≈ HK$38,146/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,966
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,502
−HK$543/mo
Today · 4.125%
HK$21,045
baseline
▲ 0.50% · 4.625%
HK$22,154
+HK$1,109/mo
Deposit HK$2.62M · loan HK$3.94M · min. income ≈ HK$42,090/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,939
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,590
−HK$662/mo
Today · 4.125%
HK$22,252
baseline
▲ 0.50% · 4.625%
HK$23,606
+HK$1,354/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,504/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,294
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,919
−HK$634/mo
Today · 4.125%
HK$24,553
baseline
▲ 0.50% · 4.625%
HK$25,847
+HK$1,294/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,106/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,921
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,759
−HK$850/mo
Today · 4.125%
HK$28,609
baseline
▲ 0.50% · 4.625%
HK$30,350
+HK$1,741/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$57,218/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$190,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,950
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,753
−HK$815/mo
Today · 4.125%
HK$31,568
baseline
▲ 0.50% · 4.625%
HK$33,232
+HK$1,664/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$63,136/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$190,903 · 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).