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$14,953
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,418
−HK$473/mo
Today · 4.125%
HK$15,891
baseline
▲ 0.50% · 4.625%
HK$16,857
+HK$966/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,782/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,635
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,081
−HK$453/mo
Today · 4.125%
HK$17,534
baseline
▲ 0.50% · 4.625%
HK$18,458
+HK$924/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,068/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,943
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,502
−HK$567/mo
Today · 4.125%
HK$19,069
baseline
▲ 0.50% · 4.625%
HK$20,229
+HK$1,160/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,138/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,962
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,497
−HK$543/mo
Today · 4.125%
HK$21,040
baseline
▲ 0.50% · 4.625%
HK$22,149
+HK$1,109/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,080/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,934
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,585
−HK$662/mo
Today · 4.125%
HK$22,247
baseline
▲ 0.50% · 4.625%
HK$23,600
+HK$1,353/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,494/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,289
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,913
−HK$634/mo
Today · 4.125%
HK$24,547
baseline
▲ 0.50% · 4.625%
HK$25,841
+HK$1,294/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,094/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,915
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,752
−HK$851/mo
Today · 4.125%
HK$28,603
baseline
▲ 0.50% · 4.625%
HK$30,343
+HK$1,740/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$57,206/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$190,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,943
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,746
−HK$815/mo
Today · 4.125%
HK$31,561
baseline
▲ 0.50% · 4.625%
HK$33,224
+HK$1,663/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$63,122/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$190,754 · 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).