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$14,876
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,338
−HK$471/mo
Today · 4.125%
HK$15,809
baseline
▲ 0.50% · 4.625%
HK$16,771
+HK$962/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,618/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,549
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,993
−HK$450/mo
Today · 4.125%
HK$17,443
baseline
▲ 0.50% · 4.625%
HK$18,363
+HK$920/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,886/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,851
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,406
−HK$564/mo
Today · 4.125%
HK$18,970
baseline
▲ 0.50% · 4.625%
HK$20,125
+HK$1,155/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$37,940/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,859
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,392
−HK$540/mo
Today · 4.125%
HK$20,932
baseline
▲ 0.50% · 4.625%
HK$22,035
+HK$1,103/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$41,864/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,826
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,474
−HK$658/mo
Today · 4.125%
HK$22,132
baseline
▲ 0.50% · 4.625%
HK$23,479
+HK$1,347/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,264/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$187,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,169
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,790
−HK$631/mo
Today · 4.125%
HK$24,421
baseline
▲ 0.50% · 4.625%
HK$25,708
+HK$1,287/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,842/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$187,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,776
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,609
−HK$846/mo
Today · 4.125%
HK$28,455
baseline
▲ 0.50% · 4.625%
HK$30,187
+HK$1,732/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$56,910/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$187,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,788
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,587
−HK$811/mo
Today · 4.125%
HK$31,398
baseline
▲ 0.50% · 4.625%
HK$33,053
+HK$1,655/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$62,796/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$187,372 · 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).