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$14,849
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,311
−HK$470/mo
Today · 4.125%
HK$15,781
baseline
▲ 0.50% · 4.625%
HK$16,741
+HK$960/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,562/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$186,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,520
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,963
−HK$449/mo
Today · 4.125%
HK$17,412
baseline
▲ 0.50% · 4.625%
HK$18,330
+HK$918/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,824/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$186,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,819
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,374
−HK$563/mo
Today · 4.125%
HK$18,937
baseline
▲ 0.50% · 4.625%
HK$20,089
+HK$1,152/mo
Deposit HK$2.60M · loan HK$3.91M · min. income ≈ HK$37,874/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,824
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,355
−HK$540/mo
Today · 4.125%
HK$20,895
baseline
▲ 0.50% · 4.625%
HK$21,996
+HK$1,101/mo
Deposit HK$2.60M · loan HK$3.91M · min. income ≈ HK$41,790/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,789
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,436
−HK$657/mo
Today · 4.125%
HK$22,093
baseline
▲ 0.50% · 4.625%
HK$23,437
+HK$1,344/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$44,186/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,128
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,748
−HK$629/mo
Today · 4.125%
HK$24,377
baseline
▲ 0.50% · 4.625%
HK$25,662
+HK$1,285/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$48,754/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,729
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,560
−HK$845/mo
Today · 4.125%
HK$28,405
baseline
▲ 0.50% · 4.625%
HK$30,133
+HK$1,728/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$56,810/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$186,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,736
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,533
−HK$809/mo
Today · 4.125%
HK$31,342
baseline
▲ 0.50% · 4.625%
HK$32,994
+HK$1,652/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$62,684/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$186,215 · 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).