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$14,862
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,324
−HK$470/mo
Today · 4.125%
HK$15,794
baseline
▲ 0.50% · 4.625%
HK$16,755
+HK$961/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,588/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$186,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,534
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,977
−HK$450/mo
Today · 4.125%
HK$17,427
baseline
▲ 0.50% · 4.625%
HK$18,346
+HK$919/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,854/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$186,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,835
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,389
−HK$564/mo
Today · 4.125%
HK$18,953
baseline
▲ 0.50% · 4.625%
HK$20,106
+HK$1,153/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$37,906/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,841
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,373
−HK$540/mo
Today · 4.125%
HK$20,913
baseline
▲ 0.50% · 4.625%
HK$22,015
+HK$1,102/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$41,826/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,807
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,454
−HK$658/mo
Today · 4.125%
HK$22,112
baseline
▲ 0.50% · 4.625%
HK$23,457
+HK$1,345/mo
Deposit HK$1.96M · loan HK$4.56M · min. income ≈ HK$44,224/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,148
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,768
−HK$630/mo
Today · 4.125%
HK$24,398
baseline
▲ 0.50% · 4.625%
HK$25,684
+HK$1,286/mo
Deposit HK$1.96M · loan HK$4.56M · min. income ≈ HK$48,796/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,752
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,584
−HK$845/mo
Today · 4.125%
HK$28,429
baseline
▲ 0.50% · 4.625%
HK$30,159
+HK$1,730/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$56,858/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$186,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,761
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,559
−HK$810/mo
Today · 4.125%
HK$31,369
baseline
▲ 0.50% · 4.625%
HK$33,022
+HK$1,653/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$62,738/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$186,773 · 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).