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$14,853
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,315
−HK$470/mo
Today · 4.125%
HK$15,785
baseline
▲ 0.50% · 4.625%
HK$16,745
+HK$960/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,570/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$186,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,524
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,967
−HK$450/mo
Today · 4.125%
HK$17,417
baseline
▲ 0.50% · 4.625%
HK$18,335
+HK$918/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,834/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$186,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,824
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,379
−HK$563/mo
Today · 4.125%
HK$18,942
baseline
▲ 0.50% · 4.625%
HK$20,094
+HK$1,152/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$37,884/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,829
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,361
−HK$539/mo
Today · 4.125%
HK$20,900
baseline
▲ 0.50% · 4.625%
HK$22,002
+HK$1,102/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$41,800/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,795
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,442
−HK$657/mo
Today · 4.125%
HK$22,099
baseline
▲ 0.50% · 4.625%
HK$23,443
+HK$1,344/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$44,198/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,134
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,754
−HK$630/mo
Today · 4.125%
HK$24,384
baseline
▲ 0.50% · 4.625%
HK$25,669
+HK$1,285/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$48,768/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,736
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,568
−HK$845/mo
Today · 4.125%
HK$28,413
baseline
▲ 0.50% · 4.625%
HK$30,142
+HK$1,729/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$56,826/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$186,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,744
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,541
−HK$810/mo
Today · 4.125%
HK$31,351
baseline
▲ 0.50% · 4.625%
HK$33,003
+HK$1,652/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$62,702/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$186,393 · 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).