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$14,853
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,315
−HK$469/mo
Today · 4.125%
HK$15,784
baseline
▲ 0.50% · 4.625%
HK$16,744
+HK$960/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,568/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$186,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,523
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,967
−HK$449/mo
Today · 4.125%
HK$17,416
baseline
▲ 0.50% · 4.625%
HK$18,334
+HK$918/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,832/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$186,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,823
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,378
−HK$563/mo
Today · 4.125%
HK$18,941
baseline
▲ 0.50% · 4.625%
HK$20,093
+HK$1,152/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$37,882/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,828
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,360
−HK$539/mo
Today · 4.125%
HK$20,899
baseline
▲ 0.50% · 4.625%
HK$22,001
+HK$1,102/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$41,798/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,794
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,441
−HK$657/mo
Today · 4.125%
HK$22,098
baseline
▲ 0.50% · 4.625%
HK$23,442
+HK$1,344/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$44,196/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,133
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,753
−HK$630/mo
Today · 4.125%
HK$24,383
baseline
▲ 0.50% · 4.625%
HK$25,668
+HK$1,285/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$48,766/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,735
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,566
−HK$845/mo
Today · 4.125%
HK$28,411
baseline
▲ 0.50% · 4.625%
HK$30,140
+HK$1,729/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$56,822/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$186,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,742
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,540
−HK$809/mo
Today · 4.125%
HK$31,349
baseline
▲ 0.50% · 4.625%
HK$33,002
+HK$1,653/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$62,698/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$186,360 · 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).