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$14,884
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,347
−HK$470/mo
Today · 4.125%
HK$15,817
baseline
▲ 0.50% · 4.625%
HK$16,780
+HK$963/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,634/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,558
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,002
−HK$451/mo
Today · 4.125%
HK$17,453
baseline
▲ 0.50% · 4.625%
HK$18,373
+HK$920/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,906/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,861
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,416
−HK$565/mo
Today · 4.125%
HK$18,981
baseline
▲ 0.50% · 4.625%
HK$20,136
+HK$1,155/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$37,962/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,870
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,403
−HK$540/mo
Today · 4.125%
HK$20,943
baseline
▲ 0.50% · 4.625%
HK$22,047
+HK$1,104/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,886/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,837
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,485
−HK$659/mo
Today · 4.125%
HK$22,144
baseline
▲ 0.50% · 4.625%
HK$23,491
+HK$1,347/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,288/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$187,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,181
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,803
−HK$631/mo
Today · 4.125%
HK$24,434
baseline
▲ 0.50% · 4.625%
HK$25,722
+HK$1,288/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,868/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$187,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,791
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,624
−HK$847/mo
Today · 4.125%
HK$28,471
baseline
▲ 0.50% · 4.625%
HK$30,203
+HK$1,732/mo
Deposit HK$653K · loan HK$5.87M · min. income ≈ HK$56,942/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$187,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,805
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,604
−HK$811/mo
Today · 4.125%
HK$31,415
baseline
▲ 0.50% · 4.625%
HK$33,071
+HK$1,656/mo
Deposit HK$653K · loan HK$5.87M · min. income ≈ HK$62,830/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$187,726 · 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).