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$14,886
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,349
−HK$471/mo
Today · 4.125%
HK$15,820
baseline
▲ 0.50% · 4.625%
HK$16,782
+HK$962/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,640/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,561
−HK$894/mo
▼ 0.25% · 3.875%
HK$17,005
−HK$450/mo
Today · 4.125%
HK$17,455
baseline
▲ 0.50% · 4.625%
HK$18,375
+HK$920/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,910/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,863
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,419
−HK$564/mo
Today · 4.125%
HK$18,983
baseline
▲ 0.50% · 4.625%
HK$20,139
+HK$1,156/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$37,966/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,873
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,406
−HK$540/mo
Today · 4.125%
HK$20,946
baseline
▲ 0.50% · 4.625%
HK$22,050
+HK$1,104/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,892/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,840
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,489
−HK$658/mo
Today · 4.125%
HK$22,147
baseline
▲ 0.50% · 4.625%
HK$23,495
+HK$1,348/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,294/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$187,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,185
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,807
−HK$630/mo
Today · 4.125%
HK$24,437
baseline
▲ 0.50% · 4.625%
HK$25,726
+HK$1,289/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,874/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$187,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,795
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,628
−HK$847/mo
Today · 4.125%
HK$28,475
baseline
▲ 0.50% · 4.625%
HK$30,208
+HK$1,733/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$56,950/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$187,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,809
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,609
−HK$811/mo
Today · 4.125%
HK$31,420
baseline
▲ 0.50% · 4.625%
HK$33,076
+HK$1,656/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$62,840/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$187,824 · 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).