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$14,870
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,333
−HK$469/mo
Today · 4.125%
HK$15,802
baseline
▲ 0.50% · 4.625%
HK$16,764
+HK$962/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,604/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,543
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,986
−HK$450/mo
Today · 4.125%
HK$17,436
baseline
▲ 0.50% · 4.625%
HK$18,356
+HK$920/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,872/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,844
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,399
−HK$564/mo
Today · 4.125%
HK$18,963
baseline
▲ 0.50% · 4.625%
HK$20,117
+HK$1,154/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$37,926/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,851
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,384
−HK$540/mo
Today · 4.125%
HK$20,924
baseline
▲ 0.50% · 4.625%
HK$22,027
+HK$1,103/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$41,848/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,818
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,466
−HK$657/mo
Today · 4.125%
HK$22,123
baseline
▲ 0.50% · 4.625%
HK$23,470
+HK$1,347/mo
Deposit HK$1.96M · loan HK$4.56M · min. income ≈ HK$44,246/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$187,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,160
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,781
−HK$630/mo
Today · 4.125%
HK$24,411
baseline
▲ 0.50% · 4.625%
HK$25,698
+HK$1,287/mo
Deposit HK$1.96M · loan HK$4.56M · min. income ≈ HK$48,822/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$187,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,766
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,599
−HK$845/mo
Today · 4.125%
HK$28,444
baseline
▲ 0.50% · 4.625%
HK$30,175
+HK$1,731/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$56,888/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$187,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,777
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,576
−HK$810/mo
Today · 4.125%
HK$31,386
baseline
▲ 0.50% · 4.625%
HK$33,040
+HK$1,654/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$62,772/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$187,120 · 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).