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$14,884
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,347
−HK$471/mo
Today · 4.125%
HK$15,818
baseline
▲ 0.50% · 4.625%
HK$16,780
+HK$962/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,636/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,558
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,003
−HK$450/mo
Today · 4.125%
HK$17,453
baseline
▲ 0.50% · 4.625%
HK$18,373
+HK$920/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,906/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,861
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,417
−HK$564/mo
Today · 4.125%
HK$18,981
baseline
▲ 0.50% · 4.625%
HK$20,136
+HK$1,155/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$37,962/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,870
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,403
−HK$541/mo
Today · 4.125%
HK$20,944
baseline
▲ 0.50% · 4.625%
HK$22,048
+HK$1,104/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,888/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,838
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,486
−HK$659/mo
Today · 4.125%
HK$22,145
baseline
▲ 0.50% · 4.625%
HK$23,492
+HK$1,347/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,290/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$187,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,182
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,804
−HK$630/mo
Today · 4.125%
HK$24,434
baseline
▲ 0.50% · 4.625%
HK$25,722
+HK$1,288/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,868/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$187,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,791
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,625
−HK$847/mo
Today · 4.125%
HK$28,472
baseline
▲ 0.50% · 4.625%
HK$30,204
+HK$1,732/mo
Deposit HK$653K · loan HK$5.87M · min. income ≈ HK$56,944/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$187,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,805
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,605
−HK$811/mo
Today · 4.125%
HK$31,416
baseline
▲ 0.50% · 4.625%
HK$33,071
+HK$1,655/mo
Deposit HK$653K · loan HK$5.87M · min. income ≈ HK$62,832/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$187,741 · 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).