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$14,868
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,330
−HK$470/mo
Today · 4.125%
HK$15,800
baseline
▲ 0.50% · 4.625%
HK$16,762
+HK$962/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,600/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,540
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,984
−HK$450/mo
Today · 4.125%
HK$17,434
baseline
▲ 0.50% · 4.625%
HK$18,353
+HK$919/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,868/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,842
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,397
−HK$563/mo
Today · 4.125%
HK$18,960
baseline
▲ 0.50% · 4.625%
HK$20,114
+HK$1,154/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$37,920/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,849
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,381
−HK$540/mo
Today · 4.125%
HK$20,921
baseline
▲ 0.50% · 4.625%
HK$22,024
+HK$1,103/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$41,842/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,815
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,463
−HK$657/mo
Today · 4.125%
HK$22,120
baseline
▲ 0.50% · 4.625%
HK$23,466
+HK$1,346/mo
Deposit HK$1.96M · loan HK$4.56M · min. income ≈ HK$44,240/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$187,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,157
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,778
−HK$630/mo
Today · 4.125%
HK$24,408
baseline
▲ 0.50% · 4.625%
HK$25,694
+HK$1,286/mo
Deposit HK$1.96M · loan HK$4.56M · min. income ≈ HK$48,816/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$187,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,762
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,595
−HK$846/mo
Today · 4.125%
HK$28,441
baseline
▲ 0.50% · 4.625%
HK$30,171
+HK$1,730/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$56,882/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$187,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,773
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,571
−HK$810/mo
Today · 4.125%
HK$31,381
baseline
▲ 0.50% · 4.625%
HK$33,036
+HK$1,655/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$62,762/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$187,032 · 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).