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$14,863
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,325
−HK$470/mo
Today · 4.125%
HK$15,795
baseline
▲ 0.50% · 4.625%
HK$16,756
+HK$961/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,590/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$186,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,535
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,978
−HK$450/mo
Today · 4.125%
HK$17,428
baseline
▲ 0.50% · 4.625%
HK$18,347
+HK$919/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,856/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$186,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,835
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,390
−HK$564/mo
Today · 4.125%
HK$18,954
baseline
▲ 0.50% · 4.625%
HK$20,107
+HK$1,153/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$37,908/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,842
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,374
−HK$540/mo
Today · 4.125%
HK$20,914
baseline
▲ 0.50% · 4.625%
HK$22,016
+HK$1,102/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$41,828/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,808
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,455
−HK$658/mo
Today · 4.125%
HK$22,113
baseline
▲ 0.50% · 4.625%
HK$23,458
+HK$1,345/mo
Deposit HK$1.96M · loan HK$4.56M · min. income ≈ HK$44,226/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,149
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,769
−HK$630/mo
Today · 4.125%
HK$24,399
baseline
▲ 0.50% · 4.625%
HK$25,685
+HK$1,286/mo
Deposit HK$1.96M · loan HK$4.56M · min. income ≈ HK$48,798/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,753
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,585
−HK$846/mo
Today · 4.125%
HK$28,431
baseline
▲ 0.50% · 4.625%
HK$30,161
+HK$1,730/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$56,862/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$186,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,762
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,561
−HK$809/mo
Today · 4.125%
HK$31,370
baseline
▲ 0.50% · 4.625%
HK$33,024
+HK$1,654/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$62,740/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$186,804 · 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).