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$14,871
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,334
−HK$469/mo
Today · 4.125%
HK$15,803
baseline
▲ 0.50% · 4.625%
HK$16,765
+HK$962/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,606/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,544
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,987
−HK$451/mo
Today · 4.125%
HK$17,438
baseline
▲ 0.50% · 4.625%
HK$18,357
+HK$919/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,876/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,845
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,400
−HK$564/mo
Today · 4.125%
HK$18,964
baseline
▲ 0.50% · 4.625%
HK$20,118
+HK$1,154/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$37,928/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,853
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,385
−HK$540/mo
Today · 4.125%
HK$20,925
baseline
▲ 0.50% · 4.625%
HK$22,028
+HK$1,103/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$41,850/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,819
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,467
−HK$658/mo
Today · 4.125%
HK$22,125
baseline
▲ 0.50% · 4.625%
HK$23,471
+HK$1,346/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,250/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$187,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,161
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,782
−HK$631/mo
Today · 4.125%
HK$24,413
baseline
▲ 0.50% · 4.625%
HK$25,699
+HK$1,286/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,826/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$187,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,768
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,600
−HK$846/mo
Today · 4.125%
HK$28,446
baseline
▲ 0.50% · 4.625%
HK$30,177
+HK$1,731/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$56,892/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$187,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,779
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,577
−HK$811/mo
Today · 4.125%
HK$31,388
baseline
▲ 0.50% · 4.625%
HK$33,042
+HK$1,654/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$62,776/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$187,161 · 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).