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$14,875
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,338
−HK$470/mo
Today · 4.125%
HK$15,808
baseline
▲ 0.50% · 4.625%
HK$16,770
+HK$962/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,616/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,548
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,992
−HK$450/mo
Today · 4.125%
HK$17,442
baseline
▲ 0.50% · 4.625%
HK$18,362
+HK$920/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,884/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,850
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,405
−HK$564/mo
Today · 4.125%
HK$18,969
baseline
▲ 0.50% · 4.625%
HK$20,124
+HK$1,155/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$37,938/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,858
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,390
−HK$541/mo
Today · 4.125%
HK$20,931
baseline
▲ 0.50% · 4.625%
HK$22,034
+HK$1,103/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$41,862/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,825
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,473
−HK$658/mo
Today · 4.125%
HK$22,131
baseline
▲ 0.50% · 4.625%
HK$23,477
+HK$1,346/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,262/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$187,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,168
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,789
−HK$630/mo
Today · 4.125%
HK$24,419
baseline
▲ 0.50% · 4.625%
HK$25,706
+HK$1,287/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,838/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$187,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,775
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,608
−HK$846/mo
Today · 4.125%
HK$28,454
baseline
▲ 0.50% · 4.625%
HK$30,185
+HK$1,731/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$56,908/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$187,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,787
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,586
−HK$810/mo
Today · 4.125%
HK$31,396
baseline
▲ 0.50% · 4.625%
HK$33,051
+HK$1,655/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$62,792/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$187,338 · 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).