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$14,865
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,327
−HK$470/mo
Today · 4.125%
HK$15,797
baseline
▲ 0.50% · 4.625%
HK$16,758
+HK$961/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,594/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$186,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,537
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,980
−HK$450/mo
Today · 4.125%
HK$17,430
baseline
▲ 0.50% · 4.625%
HK$18,349
+HK$919/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,860/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$186,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,838
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,393
−HK$563/mo
Today · 4.125%
HK$18,956
baseline
▲ 0.50% · 4.625%
HK$20,110
+HK$1,154/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$37,912/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,844
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,377
−HK$539/mo
Today · 4.125%
HK$20,916
baseline
▲ 0.50% · 4.625%
HK$22,019
+HK$1,103/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$41,832/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,811
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,458
−HK$658/mo
Today · 4.125%
HK$22,116
baseline
▲ 0.50% · 4.625%
HK$23,461
+HK$1,345/mo
Deposit HK$1.96M · loan HK$4.56M · min. income ≈ HK$44,232/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,152
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,773
−HK$630/mo
Today · 4.125%
HK$24,403
baseline
▲ 0.50% · 4.625%
HK$25,689
+HK$1,286/mo
Deposit HK$1.96M · loan HK$4.56M · min. income ≈ HK$48,806/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,757
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,589
−HK$846/mo
Today · 4.125%
HK$28,435
baseline
▲ 0.50% · 4.625%
HK$30,165
+HK$1,730/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$56,870/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$186,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,767
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,565
−HK$810/mo
Today · 4.125%
HK$31,375
baseline
▲ 0.50% · 4.625%
HK$33,029
+HK$1,654/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$62,750/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$186,893 · 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).