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$14,863
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,326
−HK$469/mo
Today · 4.125%
HK$15,795
baseline
▲ 0.50% · 4.625%
HK$16,757
+HK$962/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,590/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$186,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,535
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,979
−HK$450/mo
Today · 4.125%
HK$17,429
baseline
▲ 0.50% · 4.625%
HK$18,347
+HK$918/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$186,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,836
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,391
−HK$564/mo
Today · 4.125%
HK$18,955
baseline
▲ 0.50% · 4.625%
HK$20,108
+HK$1,153/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$186,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,842
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,375
−HK$539/mo
Today · 4.125%
HK$20,914
baseline
▲ 0.50% · 4.625%
HK$22,017
+HK$1,103/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$41,828/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,809
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,456
−HK$658/mo
Today · 4.125%
HK$22,114
baseline
▲ 0.50% · 4.625%
HK$23,459
+HK$1,345/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$186,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,150
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,770
−HK$630/mo
Today · 4.125%
HK$24,400
baseline
▲ 0.50% · 4.625%
HK$25,686
+HK$1,286/mo
Deposit HK$1.96M · loan HK$4.56M · min. income ≈ HK$48,800/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,754
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,586
−HK$846/mo
Today · 4.125%
HK$28,432
baseline
▲ 0.50% · 4.625%
HK$30,162
+HK$1,730/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$56,864/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$186,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,764
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,562
−HK$810/mo
Today · 4.125%
HK$31,372
baseline
▲ 0.50% · 4.625%
HK$33,025
+HK$1,653/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$62,744/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$186,830 · 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).