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$14,847
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,309
−HK$469/mo
Today · 4.125%
HK$15,778
baseline
▲ 0.50% · 4.625%
HK$16,738
+HK$960/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,556/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$186,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,517
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,960
−HK$450/mo
Today · 4.125%
HK$17,410
baseline
▲ 0.50% · 4.625%
HK$18,327
+HK$917/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,820/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$186,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,816
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,371
−HK$563/mo
Today · 4.125%
HK$18,934
baseline
▲ 0.50% · 4.625%
HK$20,086
+HK$1,152/mo
Deposit HK$2.60M · loan HK$3.91M · min. income ≈ HK$37,868/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,821
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,352
−HK$539/mo
Today · 4.125%
HK$20,891
baseline
▲ 0.50% · 4.625%
HK$21,993
+HK$1,102/mo
Deposit HK$2.60M · loan HK$3.91M · min. income ≈ HK$41,782/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,786
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,432
−HK$657/mo
Today · 4.125%
HK$22,089
baseline
▲ 0.50% · 4.625%
HK$23,433
+HK$1,344/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$44,178/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,124
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,744
−HK$629/mo
Today · 4.125%
HK$24,373
baseline
▲ 0.50% · 4.625%
HK$25,658
+HK$1,285/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$48,746/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,725
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,556
−HK$844/mo
Today · 4.125%
HK$28,400
baseline
▲ 0.50% · 4.625%
HK$30,129
+HK$1,729/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$56,800/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$186,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,731
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,528
−HK$809/mo
Today · 4.125%
HK$31,337
baseline
▲ 0.50% · 4.625%
HK$32,989
+HK$1,652/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$62,674/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$186,112 · 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).