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$14,865
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,328
−HK$470/mo
Today · 4.125%
HK$15,798
baseline
▲ 0.50% · 4.625%
HK$16,759
+HK$961/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,596/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$186,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,538
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,981
−HK$450/mo
Today · 4.125%
HK$17,431
baseline
▲ 0.50% · 4.625%
HK$18,350
+HK$919/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,862/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$186,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,838
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,393
−HK$564/mo
Today · 4.125%
HK$18,957
baseline
▲ 0.50% · 4.625%
HK$20,111
+HK$1,154/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$37,914/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,845
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,377
−HK$540/mo
Today · 4.125%
HK$20,917
baseline
▲ 0.50% · 4.625%
HK$22,020
+HK$1,103/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$41,834/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,811
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,459
−HK$658/mo
Today · 4.125%
HK$22,117
baseline
▲ 0.50% · 4.625%
HK$23,462
+HK$1,345/mo
Deposit HK$1.96M · loan HK$4.56M · min. income ≈ HK$44,234/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,153
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,773
−HK$630/mo
Today · 4.125%
HK$24,403
baseline
▲ 0.50% · 4.625%
HK$25,690
+HK$1,287/mo
Deposit HK$1.96M · loan HK$4.56M · min. income ≈ HK$48,806/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,758
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,590
−HK$846/mo
Today · 4.125%
HK$28,436
baseline
▲ 0.50% · 4.625%
HK$30,166
+HK$1,730/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$56,872/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$186,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,768
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,566
−HK$810/mo
Today · 4.125%
HK$31,376
baseline
▲ 0.50% · 4.625%
HK$33,030
+HK$1,654/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$62,752/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$186,916 · 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).