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$14,887
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,350
−HK$471/mo
Today · 4.125%
HK$15,821
baseline
▲ 0.50% · 4.625%
HK$16,784
+HK$963/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,642/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,562
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,006
−HK$451/mo
Today · 4.125%
HK$17,457
baseline
▲ 0.50% · 4.625%
HK$18,377
+HK$920/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,914/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,865
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,420
−HK$565/mo
Today · 4.125%
HK$18,985
baseline
▲ 0.50% · 4.625%
HK$20,140
+HK$1,155/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$37,970/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,874
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,407
−HK$541/mo
Today · 4.125%
HK$20,948
baseline
▲ 0.50% · 4.625%
HK$22,052
+HK$1,104/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,896/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,842
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,491
−HK$658/mo
Today · 4.125%
HK$22,149
baseline
▲ 0.50% · 4.625%
HK$23,497
+HK$1,348/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,298/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$187,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,187
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,809
−HK$630/mo
Today · 4.125%
HK$24,439
baseline
▲ 0.50% · 4.625%
HK$25,728
+HK$1,289/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,878/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$187,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,797
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,631
−HK$847/mo
Today · 4.125%
HK$28,478
baseline
▲ 0.50% · 4.625%
HK$30,210
+HK$1,732/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$56,956/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$187,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,812
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,611
−HK$811/mo
Today · 4.125%
HK$31,422
baseline
▲ 0.50% · 4.625%
HK$33,079
+HK$1,657/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$62,844/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$187,879 · 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).