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$14,845
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,307
−HK$469/mo
Today · 4.125%
HK$15,776
baseline
▲ 0.50% · 4.625%
HK$16,736
+HK$960/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,552/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$186,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,515
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,958
−HK$450/mo
Today · 4.125%
HK$17,408
baseline
▲ 0.50% · 4.625%
HK$18,325
+HK$917/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,816/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$186,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,815
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,369
−HK$563/mo
Today · 4.125%
HK$18,932
baseline
▲ 0.50% · 4.625%
HK$20,084
+HK$1,152/mo
Deposit HK$2.60M · loan HK$3.91M · min. income ≈ HK$37,864/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,819
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,350
−HK$539/mo
Today · 4.125%
HK$20,889
baseline
▲ 0.50% · 4.625%
HK$21,990
+HK$1,101/mo
Deposit HK$2.60M · loan HK$3.91M · min. income ≈ HK$41,778/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,784
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,430
−HK$657/mo
Today · 4.125%
HK$22,087
baseline
▲ 0.50% · 4.625%
HK$23,431
+HK$1,344/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$44,174/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,122
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,742
−HK$629/mo
Today · 4.125%
HK$24,371
baseline
▲ 0.50% · 4.625%
HK$25,655
+HK$1,284/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$48,742/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,722
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,553
−HK$845/mo
Today · 4.125%
HK$28,398
baseline
▲ 0.50% · 4.625%
HK$30,125
+HK$1,727/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$56,796/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$186,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,728
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,525
−HK$809/mo
Today · 4.125%
HK$31,334
baseline
▲ 0.50% · 4.625%
HK$32,986
+HK$1,652/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$62,668/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$186,044 · 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).