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$14,845
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,307
−HK$469/mo
Today · 4.125%
HK$15,776
baseline
▲ 0.50% · 4.625%
HK$16,736
+HK$960/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,552/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$186,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,515
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,958
−HK$449/mo
Today · 4.125%
HK$17,407
baseline
▲ 0.50% · 4.625%
HK$18,325
+HK$918/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,814/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$186,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,814
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,368
−HK$563/mo
Today · 4.125%
HK$18,931
baseline
▲ 0.50% · 4.625%
HK$20,083
+HK$1,152/mo
Deposit HK$2.60M · loan HK$3.91M · min. income ≈ HK$37,862/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,818
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,349
−HK$540/mo
Today · 4.125%
HK$20,889
baseline
▲ 0.50% · 4.625%
HK$21,990
+HK$1,101/mo
Deposit HK$2.60M · loan HK$3.91M · min. income ≈ HK$41,778/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,783
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,429
−HK$657/mo
Today · 4.125%
HK$22,086
baseline
▲ 0.50% · 4.625%
HK$23,430
+HK$1,344/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$44,172/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,121
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,741
−HK$629/mo
Today · 4.125%
HK$24,370
baseline
▲ 0.50% · 4.625%
HK$25,655
+HK$1,285/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$48,740/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,721
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,552
−HK$845/mo
Today · 4.125%
HK$28,397
baseline
▲ 0.50% · 4.625%
HK$30,124
+HK$1,727/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$56,794/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$186,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,727
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,524
−HK$809/mo
Today · 4.125%
HK$31,333
baseline
▲ 0.50% · 4.625%
HK$32,984
+HK$1,651/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$62,666/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$186,022 · 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).