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$14,874
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,337
−HK$470/mo
Today · 4.125%
HK$15,807
baseline
▲ 0.50% · 4.625%
HK$16,768
+HK$961/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,614/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,547
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,991
−HK$450/mo
Today · 4.125%
HK$17,441
baseline
▲ 0.50% · 4.625%
HK$18,360
+HK$919/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,882/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,849
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,404
−HK$564/mo
Today · 4.125%
HK$18,968
baseline
▲ 0.50% · 4.625%
HK$20,122
+HK$1,154/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$37,936/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,856
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,389
−HK$540/mo
Today · 4.125%
HK$20,929
baseline
▲ 0.50% · 4.625%
HK$22,032
+HK$1,103/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$41,858/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,823
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,471
−HK$658/mo
Today · 4.125%
HK$22,129
baseline
▲ 0.50% · 4.625%
HK$23,476
+HK$1,347/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,258/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$187,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,166
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,787
−HK$630/mo
Today · 4.125%
HK$24,417
baseline
▲ 0.50% · 4.625%
HK$25,705
+HK$1,288/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,834/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$187,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,773
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,606
−HK$846/mo
Today · 4.125%
HK$28,452
baseline
▲ 0.50% · 4.625%
HK$30,183
+HK$1,731/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$56,904/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$187,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,785
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,584
−HK$810/mo
Today · 4.125%
HK$31,394
baseline
▲ 0.50% · 4.625%
HK$33,049
+HK$1,655/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$62,788/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$187,291 · 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).