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$14,879
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,342
−HK$470/mo
Today · 4.125%
HK$15,812
baseline
▲ 0.50% · 4.625%
HK$16,774
+HK$962/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,624/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,553
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,997
−HK$450/mo
Today · 4.125%
HK$17,447
baseline
▲ 0.50% · 4.625%
HK$18,367
+HK$920/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,894/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,855
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,410
−HK$564/mo
Today · 4.125%
HK$18,974
baseline
▲ 0.50% · 4.625%
HK$20,129
+HK$1,155/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$37,948/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,863
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,396
−HK$540/mo
Today · 4.125%
HK$20,936
baseline
▲ 0.50% · 4.625%
HK$22,040
+HK$1,104/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,872/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,831
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,478
−HK$659/mo
Today · 4.125%
HK$22,137
baseline
▲ 0.50% · 4.625%
HK$23,484
+HK$1,347/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,274/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$187,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,174
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,795
−HK$631/mo
Today · 4.125%
HK$24,426
baseline
▲ 0.50% · 4.625%
HK$25,713
+HK$1,287/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,852/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$187,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,782
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,615
−HK$847/mo
Today · 4.125%
HK$28,462
baseline
▲ 0.50% · 4.625%
HK$30,193
+HK$1,731/mo
Deposit HK$653K · loan HK$5.87M · min. income ≈ HK$56,924/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$187,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,795
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,594
−HK$811/mo
Today · 4.125%
HK$31,405
baseline
▲ 0.50% · 4.625%
HK$33,060
+HK$1,655/mo
Deposit HK$653K · loan HK$5.87M · min. income ≈ HK$62,810/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$187,512 · 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).