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$14,869
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,331
−HK$470/mo
Today · 4.125%
HK$15,801
baseline
▲ 0.50% · 4.625%
HK$16,762
+HK$961/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,602/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,541
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,985
−HK$450/mo
Today · 4.125%
HK$17,435
baseline
▲ 0.50% · 4.625%
HK$18,354
+HK$919/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,870/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,842
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,397
−HK$564/mo
Today · 4.125%
HK$18,961
baseline
▲ 0.50% · 4.625%
HK$20,115
+HK$1,154/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$37,922/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,849
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,382
−HK$540/mo
Today · 4.125%
HK$20,922
baseline
▲ 0.50% · 4.625%
HK$22,025
+HK$1,103/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$41,844/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,816
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,464
−HK$657/mo
Today · 4.125%
HK$22,121
baseline
▲ 0.50% · 4.625%
HK$23,467
+HK$1,346/mo
Deposit HK$1.96M · loan HK$4.56M · min. income ≈ HK$44,242/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$187,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,158
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,779
−HK$630/mo
Today · 4.125%
HK$24,409
baseline
▲ 0.50% · 4.625%
HK$25,695
+HK$1,286/mo
Deposit HK$1.96M · loan HK$4.56M · min. income ≈ HK$48,818/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$187,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,763
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,596
−HK$846/mo
Today · 4.125%
HK$28,442
baseline
▲ 0.50% · 4.625%
HK$30,172
+HK$1,730/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$56,884/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$187,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,774
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,573
−HK$810/mo
Today · 4.125%
HK$31,383
baseline
▲ 0.50% · 4.625%
HK$33,037
+HK$1,654/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$62,766/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$187,059 · 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).