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$14,889
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,352
−HK$470/mo
Today · 4.125%
HK$15,822
baseline
▲ 0.50% · 4.625%
HK$16,785
+HK$963/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,644/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,564
−HK$894/mo
▼ 0.25% · 3.875%
HK$17,008
−HK$450/mo
Today · 4.125%
HK$17,458
baseline
▲ 0.50% · 4.625%
HK$18,379
+HK$921/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,916/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,866
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,422
−HK$565/mo
Today · 4.125%
HK$18,987
baseline
▲ 0.50% · 4.625%
HK$20,142
+HK$1,155/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$37,974/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,876
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,409
−HK$541/mo
Today · 4.125%
HK$20,950
baseline
▲ 0.50% · 4.625%
HK$22,054
+HK$1,104/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,900/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,844
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,493
−HK$658/mo
Today · 4.125%
HK$22,151
baseline
▲ 0.50% · 4.625%
HK$23,499
+HK$1,348/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,302/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$187,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,189
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,811
−HK$631/mo
Today · 4.125%
HK$24,442
baseline
▲ 0.50% · 4.625%
HK$25,730
+HK$1,288/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,884/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$187,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,800
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,633
−HK$847/mo
Today · 4.125%
HK$28,480
baseline
▲ 0.50% · 4.625%
HK$30,213
+HK$1,733/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$56,960/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$187,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,814
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,614
−HK$811/mo
Today · 4.125%
HK$31,425
baseline
▲ 0.50% · 4.625%
HK$33,082
+HK$1,657/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$62,850/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$187,941 · 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).