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$14,878
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,341
−HK$471/mo
Today · 4.125%
HK$15,812
baseline
▲ 0.50% · 4.625%
HK$16,774
+HK$962/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,624/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,552
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,996
−HK$450/mo
Today · 4.125%
HK$17,446
baseline
▲ 0.50% · 4.625%
HK$18,366
+HK$920/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,892/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,854
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,410
−HK$564/mo
Today · 4.125%
HK$18,974
baseline
▲ 0.50% · 4.625%
HK$20,128
+HK$1,154/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$37,948/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,863
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,395
−HK$541/mo
Today · 4.125%
HK$20,936
baseline
▲ 0.50% · 4.625%
HK$22,039
+HK$1,103/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$41,872/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,830
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,478
−HK$658/mo
Today · 4.125%
HK$22,136
baseline
▲ 0.50% · 4.625%
HK$23,483
+HK$1,347/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,272/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$187,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,173
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,795
−HK$630/mo
Today · 4.125%
HK$24,425
baseline
▲ 0.50% · 4.625%
HK$25,712
+HK$1,287/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,850/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$187,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,781
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,614
−HK$847/mo
Today · 4.125%
HK$28,461
baseline
▲ 0.50% · 4.625%
HK$30,192
+HK$1,731/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$56,922/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$187,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,794
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,593
−HK$811/mo
Today · 4.125%
HK$31,404
baseline
▲ 0.50% · 4.625%
HK$33,059
+HK$1,655/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$62,808/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$187,493 · 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).