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$16,750
+HK$960/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$186,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,529
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,973
−HK$449/mo
Today · 4.125%
HK$17,422
baseline
▲ 0.50% · 4.625%
HK$18,341
+HK$919/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,844/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$186,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,829
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,384
−HK$564/mo
Today · 4.125%
HK$18,948
baseline
▲ 0.50% · 4.625%
HK$20,100
+HK$1,152/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$186,590 · 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$186,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,801
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,448
−HK$657/mo
Today · 4.125%
HK$22,105
baseline
▲ 0.50% · 4.625%
HK$23,451
+HK$1,346/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$44,210/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,141
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,762
−HK$629/mo
Today · 4.125%
HK$24,391
baseline
▲ 0.50% · 4.625%
HK$25,677
+HK$1,286/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$48,782/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,744
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,576
−HK$845/mo
Today · 4.125%
HK$28,421
baseline
▲ 0.50% · 4.625%
HK$30,151
+HK$1,730/mo
Deposit HK$652K · loan HK$5.86M · min. income ≈ HK$56,842/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$186,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,753
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,551
−HK$809/mo
Today · 4.125%
HK$31,360
baseline
▲ 0.50% · 4.625%
HK$33,013
+HK$1,653/mo
Deposit HK$652K · loan HK$5.86M · min. income ≈ HK$62,720/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$186,590 · 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).