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$14,964
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,430
−HK$473/mo
Today · 4.125%
HK$15,903
baseline
▲ 0.50% · 4.625%
HK$16,870
+HK$967/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,806/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,647
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,094
−HK$453/mo
Today · 4.125%
HK$17,547
baseline
▲ 0.50% · 4.625%
HK$18,472
+HK$925/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,094/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,957
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,516
−HK$567/mo
Today · 4.125%
HK$19,083
baseline
▲ 0.50% · 4.625%
HK$20,244
+HK$1,161/mo
Deposit HK$2.62M · loan HK$3.94M · min. income ≈ HK$38,166/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,977
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,513
−HK$543/mo
Today · 4.125%
HK$21,056
baseline
▲ 0.50% · 4.625%
HK$22,166
+HK$1,110/mo
Deposit HK$2.62M · loan HK$3.94M · min. income ≈ HK$42,112/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,950
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,602
−HK$662/mo
Today · 4.125%
HK$22,264
baseline
▲ 0.50% · 4.625%
HK$23,618
+HK$1,354/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,528/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,306
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,932
−HK$634/mo
Today · 4.125%
HK$24,566
baseline
▲ 0.50% · 4.625%
HK$25,861
+HK$1,295/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,132/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,936
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,773
−HK$852/mo
Today · 4.125%
HK$28,625
baseline
▲ 0.50% · 4.625%
HK$30,366
+HK$1,741/mo
Deposit HK$656K · loan HK$5.91M · min. income ≈ HK$57,250/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$191,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,965
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,769
−HK$815/mo
Today · 4.125%
HK$31,584
baseline
▲ 0.50% · 4.625%
HK$33,249
+HK$1,665/mo
Deposit HK$656K · loan HK$5.91M · min. income ≈ HK$63,168/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$191,250 · 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).