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$14,955
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,421
−HK$472/mo
Today · 4.125%
HK$15,893
baseline
▲ 0.50% · 4.625%
HK$16,860
+HK$967/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,786/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,638
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,084
−HK$453/mo
Today · 4.125%
HK$17,537
baseline
▲ 0.50% · 4.625%
HK$18,461
+HK$924/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,074/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,946
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,505
−HK$567/mo
Today · 4.125%
HK$19,072
baseline
▲ 0.50% · 4.625%
HK$20,232
+HK$1,160/mo
Deposit HK$2.62M · loan HK$3.94M · min. income ≈ HK$38,144/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,965
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,501
−HK$543/mo
Today · 4.125%
HK$21,044
baseline
▲ 0.50% · 4.625%
HK$22,153
+HK$1,109/mo
Deposit HK$2.62M · loan HK$3.94M · min. income ≈ HK$42,088/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,937
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,589
−HK$661/mo
Today · 4.125%
HK$22,250
baseline
▲ 0.50% · 4.625%
HK$23,604
+HK$1,354/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,500/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,293
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,917
−HK$634/mo
Today · 4.125%
HK$24,551
baseline
▲ 0.50% · 4.625%
HK$25,845
+HK$1,294/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,102/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,920
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,757
−HK$851/mo
Today · 4.125%
HK$28,608
baseline
▲ 0.50% · 4.625%
HK$30,348
+HK$1,740/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$57,216/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$190,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,948
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,751
−HK$815/mo
Today · 4.125%
HK$31,566
baseline
▲ 0.50% · 4.625%
HK$33,230
+HK$1,664/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$63,132/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$190,861 · 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).