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$14,880
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,343
−HK$470/mo
Today · 4.125%
HK$15,813
baseline
▲ 0.50% · 4.625%
HK$16,775
+HK$962/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,626/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,554
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,998
−HK$450/mo
Today · 4.125%
HK$17,448
baseline
▲ 0.50% · 4.625%
HK$18,368
+HK$920/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,896/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,856
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,411
−HK$565/mo
Today · 4.125%
HK$18,976
baseline
▲ 0.50% · 4.625%
HK$20,130
+HK$1,154/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$37,952/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,865
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,397
−HK$541/mo
Today · 4.125%
HK$20,938
baseline
▲ 0.50% · 4.625%
HK$22,041
+HK$1,103/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,876/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,832
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,480
−HK$658/mo
Today · 4.125%
HK$22,138
baseline
▲ 0.50% · 4.625%
HK$23,485
+HK$1,347/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,276/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$187,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,175
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,797
−HK$630/mo
Today · 4.125%
HK$24,427
baseline
▲ 0.50% · 4.625%
HK$25,715
+HK$1,288/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,854/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$187,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,784
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,617
−HK$847/mo
Today · 4.125%
HK$28,464
baseline
▲ 0.50% · 4.625%
HK$30,195
+HK$1,731/mo
Deposit HK$653K · loan HK$5.87M · min. income ≈ HK$56,928/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$187,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,797
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,596
−HK$811/mo
Today · 4.125%
HK$31,407
baseline
▲ 0.50% · 4.625%
HK$33,062
+HK$1,655/mo
Deposit HK$653K · loan HK$5.87M · min. income ≈ HK$62,814/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$187,557 · 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).