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$14,868
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,330
−HK$470/mo
Today · 4.125%
HK$15,800
baseline
▲ 0.50% · 4.625%
HK$16,761
+HK$961/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,600/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,540
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,984
−HK$450/mo
Today · 4.125%
HK$17,434
baseline
▲ 0.50% · 4.625%
HK$18,353
+HK$919/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,868/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,841
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,396
−HK$564/mo
Today · 4.125%
HK$18,960
baseline
▲ 0.50% · 4.625%
HK$20,114
+HK$1,154/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$37,920/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,848
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,380
−HK$540/mo
Today · 4.125%
HK$20,920
baseline
▲ 0.50% · 4.625%
HK$22,023
+HK$1,103/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$41,840/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,815
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,462
−HK$658/mo
Today · 4.125%
HK$22,120
baseline
▲ 0.50% · 4.625%
HK$23,466
+HK$1,346/mo
Deposit HK$1.96M · loan HK$4.56M · min. income ≈ HK$44,240/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$187,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,156
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,777
−HK$630/mo
Today · 4.125%
HK$24,407
baseline
▲ 0.50% · 4.625%
HK$25,694
+HK$1,287/mo
Deposit HK$1.96M · loan HK$4.56M · min. income ≈ HK$48,814/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$187,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,762
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,594
−HK$846/mo
Today · 4.125%
HK$28,440
baseline
▲ 0.50% · 4.625%
HK$30,171
+HK$1,731/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$56,880/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$187,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,772
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,571
−HK$810/mo
Today · 4.125%
HK$31,381
baseline
▲ 0.50% · 4.625%
HK$33,035
+HK$1,654/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$62,762/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$187,018 · 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).