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$14,855
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,317
−HK$470/mo
Today · 4.125%
HK$15,787
baseline
▲ 0.50% · 4.625%
HK$16,747
+HK$960/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,574/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$186,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,526
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,970
−HK$449/mo
Today · 4.125%
HK$17,419
baseline
▲ 0.50% · 4.625%
HK$18,337
+HK$918/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,838/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$186,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,826
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,381
−HK$563/mo
Today · 4.125%
HK$18,944
baseline
▲ 0.50% · 4.625%
HK$20,097
+HK$1,153/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$37,888/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,832
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,364
−HK$539/mo
Today · 4.125%
HK$20,903
baseline
▲ 0.50% · 4.625%
HK$22,005
+HK$1,102/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$41,806/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,797
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,444
−HK$658/mo
Today · 4.125%
HK$22,102
baseline
▲ 0.50% · 4.625%
HK$23,446
+HK$1,344/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$44,204/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,137
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,757
−HK$630/mo
Today · 4.125%
HK$24,387
baseline
▲ 0.50% · 4.625%
HK$25,672
+HK$1,285/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$48,774/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,740
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,571
−HK$845/mo
Today · 4.125%
HK$28,416
baseline
▲ 0.50% · 4.625%
HK$30,145
+HK$1,729/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$56,832/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$186,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,747
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,545
−HK$810/mo
Today · 4.125%
HK$31,355
baseline
▲ 0.50% · 4.625%
HK$33,007
+HK$1,652/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$62,710/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$186,475 · 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).