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$14,881
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,344
−HK$470/mo
Today · 4.125%
HK$15,814
baseline
▲ 0.50% · 4.625%
HK$16,777
+HK$963/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,628/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,555
−HK$895/mo
▼ 0.25% · 3.875%
HK$16,999
−HK$451/mo
Today · 4.125%
HK$17,450
baseline
▲ 0.50% · 4.625%
HK$18,369
+HK$919/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,900/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,858
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,413
−HK$564/mo
Today · 4.125%
HK$18,977
baseline
▲ 0.50% · 4.625%
HK$20,132
+HK$1,155/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$37,954/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,866
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,399
−HK$541/mo
Today · 4.125%
HK$20,940
baseline
▲ 0.50% · 4.625%
HK$22,043
+HK$1,103/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,880/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,834
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,482
−HK$658/mo
Today · 4.125%
HK$22,140
baseline
▲ 0.50% · 4.625%
HK$23,487
+HK$1,347/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,280/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$187,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,177
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,799
−HK$631/mo
Today · 4.125%
HK$24,430
baseline
▲ 0.50% · 4.625%
HK$25,717
+HK$1,287/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,860/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$187,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,786
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,619
−HK$847/mo
Today · 4.125%
HK$28,466
baseline
▲ 0.50% · 4.625%
HK$30,198
+HK$1,732/mo
Deposit HK$653K · loan HK$5.87M · min. income ≈ HK$56,932/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$187,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,799
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,599
−HK$810/mo
Today · 4.125%
HK$31,409
baseline
▲ 0.50% · 4.625%
HK$33,065
+HK$1,656/mo
Deposit HK$653K · loan HK$5.87M · min. income ≈ HK$62,818/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$187,614 · 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).