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$14,858
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,320
−HK$470/mo
Today · 4.125%
HK$15,790
baseline
▲ 0.50% · 4.625%
HK$16,751
+HK$961/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,580/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$186,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,530
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,973
−HK$450/mo
Today · 4.125%
HK$17,423
baseline
▲ 0.50% · 4.625%
HK$18,341
+HK$918/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,846/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$186,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,830
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,384
−HK$564/mo
Today · 4.125%
HK$18,948
baseline
▲ 0.50% · 4.625%
HK$20,101
+HK$1,153/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$37,896/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,835
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,367
−HK$540/mo
Today · 4.125%
HK$20,907
baseline
▲ 0.50% · 4.625%
HK$22,009
+HK$1,102/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$41,814/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,801
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,448
−HK$658/mo
Today · 4.125%
HK$22,106
baseline
▲ 0.50% · 4.625%
HK$23,451
+HK$1,345/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$44,212/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,141
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,762
−HK$630/mo
Today · 4.125%
HK$24,392
baseline
▲ 0.50% · 4.625%
HK$25,677
+HK$1,285/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$48,784/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,745
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,577
−HK$845/mo
Today · 4.125%
HK$28,422
baseline
▲ 0.50% · 4.625%
HK$30,151
+HK$1,729/mo
Deposit HK$652K · loan HK$5.86M · min. income ≈ HK$56,844/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$186,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,753
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,551
−HK$810/mo
Today · 4.125%
HK$31,361
baseline
▲ 0.50% · 4.625%
HK$33,014
+HK$1,653/mo
Deposit HK$652K · loan HK$5.86M · min. income ≈ HK$62,722/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$186,600 · 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).