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$14,851
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,313
−HK$469/mo
Today · 4.125%
HK$15,782
baseline
▲ 0.50% · 4.625%
HK$16,742
+HK$960/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,564/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$186,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,521
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,964
−HK$450/mo
Today · 4.125%
HK$17,414
baseline
▲ 0.50% · 4.625%
HK$18,332
+HK$918/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,828/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$186,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,821
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,375
−HK$563/mo
Today · 4.125%
HK$18,938
baseline
▲ 0.50% · 4.625%
HK$20,091
+HK$1,153/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$37,876/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,825
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,357
−HK$539/mo
Today · 4.125%
HK$20,896
baseline
▲ 0.50% · 4.625%
HK$21,998
+HK$1,102/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$41,792/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,791
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,438
−HK$657/mo
Today · 4.125%
HK$22,095
baseline
▲ 0.50% · 4.625%
HK$23,439
+HK$1,344/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$44,190/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,130
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,750
−HK$629/mo
Today · 4.125%
HK$24,379
baseline
▲ 0.50% · 4.625%
HK$25,664
+HK$1,285/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$48,758/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,731
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,563
−HK$844/mo
Today · 4.125%
HK$28,407
baseline
▲ 0.50% · 4.625%
HK$30,136
+HK$1,729/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$56,814/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$186,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,738
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,536
−HK$809/mo
Today · 4.125%
HK$31,345
baseline
▲ 0.50% · 4.625%
HK$32,997
+HK$1,652/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$62,690/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$186,270 · 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).