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$14,876
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,339
−HK$470/mo
Today · 4.125%
HK$15,809
baseline
▲ 0.50% · 4.625%
HK$16,771
+HK$962/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,618/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,550
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,994
−HK$450/mo
Today · 4.125%
HK$17,444
baseline
▲ 0.50% · 4.625%
HK$18,363
+HK$919/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,888/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,852
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,407
−HK$564/mo
Today · 4.125%
HK$18,971
baseline
▲ 0.50% · 4.625%
HK$20,125
+HK$1,154/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$37,942/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,860
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,392
−HK$541/mo
Today · 4.125%
HK$20,933
baseline
▲ 0.50% · 4.625%
HK$22,036
+HK$1,103/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$41,866/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,827
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,475
−HK$658/mo
Today · 4.125%
HK$22,133
baseline
▲ 0.50% · 4.625%
HK$23,480
+HK$1,347/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,266/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$187,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,170
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,791
−HK$631/mo
Today · 4.125%
HK$24,422
baseline
▲ 0.50% · 4.625%
HK$25,709
+HK$1,287/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,844/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$187,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,777
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,610
−HK$847/mo
Today · 4.125%
HK$28,457
baseline
▲ 0.50% · 4.625%
HK$30,188
+HK$1,731/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$56,914/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$187,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,790
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,589
−HK$810/mo
Today · 4.125%
HK$31,399
baseline
▲ 0.50% · 4.625%
HK$33,054
+HK$1,655/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$62,798/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$187,400 · 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).