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$14,875
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,337
−HK$470/mo
Today · 4.125%
HK$15,807
baseline
▲ 0.50% · 4.625%
HK$16,769
+HK$962/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,614/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,548
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,992
−HK$450/mo
Today · 4.125%
HK$17,442
baseline
▲ 0.50% · 4.625%
HK$18,361
+HK$919/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,884/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,849
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,405
−HK$564/mo
Today · 4.125%
HK$18,969
baseline
▲ 0.50% · 4.625%
HK$20,123
+HK$1,154/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$37,938/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,857
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,390
−HK$540/mo
Today · 4.125%
HK$20,930
baseline
▲ 0.50% · 4.625%
HK$22,033
+HK$1,103/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$41,860/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,824
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,472
−HK$658/mo
Today · 4.125%
HK$22,130
baseline
▲ 0.50% · 4.625%
HK$23,477
+HK$1,347/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,260/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$187,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,167
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,788
−HK$630/mo
Today · 4.125%
HK$24,418
baseline
▲ 0.50% · 4.625%
HK$25,706
+HK$1,288/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,836/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$187,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,774
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,607
−HK$846/mo
Today · 4.125%
HK$28,453
baseline
▲ 0.50% · 4.625%
HK$30,184
+HK$1,731/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$56,906/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$187,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,786
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,585
−HK$810/mo
Today · 4.125%
HK$31,395
baseline
▲ 0.50% · 4.625%
HK$33,050
+HK$1,655/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$62,790/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$187,318 · 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).