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$14,852
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,314
−HK$469/mo
Today · 4.125%
HK$15,783
baseline
▲ 0.50% · 4.625%
HK$16,744
+HK$961/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,566/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$186,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,523
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,966
−HK$449/mo
Today · 4.125%
HK$17,415
baseline
▲ 0.50% · 4.625%
HK$18,333
+HK$918/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,830/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$186,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,822
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,377
−HK$563/mo
Today · 4.125%
HK$18,940
baseline
▲ 0.50% · 4.625%
HK$20,093
+HK$1,153/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$37,880/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,827
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,359
−HK$540/mo
Today · 4.125%
HK$20,899
baseline
▲ 0.50% · 4.625%
HK$22,000
+HK$1,101/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$41,798/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,793
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,440
−HK$657/mo
Today · 4.125%
HK$22,097
baseline
▲ 0.50% · 4.625%
HK$23,441
+HK$1,344/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$44,194/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,132
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,752
−HK$630/mo
Today · 4.125%
HK$24,382
baseline
▲ 0.50% · 4.625%
HK$25,667
+HK$1,285/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$48,764/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,734
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,565
−HK$845/mo
Today · 4.125%
HK$28,410
baseline
▲ 0.50% · 4.625%
HK$30,139
+HK$1,729/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$56,820/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$186,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,741
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,539
−HK$809/mo
Today · 4.125%
HK$31,348
baseline
▲ 0.50% · 4.625%
HK$33,000
+HK$1,652/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$62,696/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$186,333 · 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).