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$14,864
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,326
−HK$470/mo
Today · 4.125%
HK$15,796
baseline
▲ 0.50% · 4.625%
HK$16,757
+HK$961/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,592/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$186,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,536
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,980
−HK$449/mo
Today · 4.125%
HK$17,429
baseline
▲ 0.50% · 4.625%
HK$18,348
+HK$919/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,858/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$186,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,837
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,392
−HK$563/mo
Today · 4.125%
HK$18,955
baseline
▲ 0.50% · 4.625%
HK$20,109
+HK$1,154/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$37,910/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,843
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,375
−HK$540/mo
Today · 4.125%
HK$20,915
baseline
▲ 0.50% · 4.625%
HK$22,018
+HK$1,103/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$41,830/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,810
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,457
−HK$657/mo
Today · 4.125%
HK$22,114
baseline
▲ 0.50% · 4.625%
HK$23,460
+HK$1,346/mo
Deposit HK$1.96M · loan HK$4.56M · min. income ≈ HK$44,228/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,150
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,771
−HK$630/mo
Today · 4.125%
HK$24,401
baseline
▲ 0.50% · 4.625%
HK$25,687
+HK$1,286/mo
Deposit HK$1.96M · loan HK$4.56M · min. income ≈ HK$48,802/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,755
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,587
−HK$846/mo
Today · 4.125%
HK$28,433
baseline
▲ 0.50% · 4.625%
HK$30,163
+HK$1,730/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$56,866/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$186,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,765
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,563
−HK$810/mo
Today · 4.125%
HK$31,373
baseline
▲ 0.50% · 4.625%
HK$33,027
+HK$1,654/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$62,746/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$186,856 · 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).