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$14,881
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,343
−HK$471/mo
Today · 4.125%
HK$15,814
baseline
▲ 0.50% · 4.625%
HK$16,776
+HK$962/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,628/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,554
−HK$895/mo
▼ 0.25% · 3.875%
HK$16,998
−HK$451/mo
Today · 4.125%
HK$17,449
baseline
▲ 0.50% · 4.625%
HK$18,369
+HK$920/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,898/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,857
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,412
−HK$564/mo
Today · 4.125%
HK$18,976
baseline
▲ 0.50% · 4.625%
HK$20,131
+HK$1,155/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$37,952/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,865
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,398
−HK$541/mo
Today · 4.125%
HK$20,939
baseline
▲ 0.50% · 4.625%
HK$22,042
+HK$1,103/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,878/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,833
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,481
−HK$658/mo
Today · 4.125%
HK$22,139
baseline
▲ 0.50% · 4.625%
HK$23,486
+HK$1,347/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,278/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$187,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,176
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,798
−HK$630/mo
Today · 4.125%
HK$24,428
baseline
▲ 0.50% · 4.625%
HK$25,716
+HK$1,288/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,856/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$187,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,785
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,618
−HK$847/mo
Today · 4.125%
HK$28,465
baseline
▲ 0.50% · 4.625%
HK$30,197
+HK$1,732/mo
Deposit HK$653K · loan HK$5.87M · min. income ≈ HK$56,930/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$187,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,798
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,597
−HK$811/mo
Today · 4.125%
HK$31,408
baseline
▲ 0.50% · 4.625%
HK$33,063
+HK$1,655/mo
Deposit HK$653K · loan HK$5.87M · min. income ≈ HK$62,816/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$187,581 · 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).