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$14,859
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,321
−HK$470/mo
Today · 4.125%
HK$15,791
baseline
▲ 0.50% · 4.625%
HK$16,752
+HK$961/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,582/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$186,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,530
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,974
−HK$450/mo
Today · 4.125%
HK$17,424
baseline
▲ 0.50% · 4.625%
HK$18,342
+HK$918/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,848/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$186,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,831
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,385
−HK$564/mo
Today · 4.125%
HK$18,949
baseline
▲ 0.50% · 4.625%
HK$20,102
+HK$1,153/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$37,898/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,837
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,369
−HK$539/mo
Today · 4.125%
HK$20,908
baseline
▲ 0.50% · 4.625%
HK$22,010
+HK$1,102/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$41,816/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,803
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,450
−HK$657/mo
Today · 4.125%
HK$22,107
baseline
▲ 0.50% · 4.625%
HK$23,452
+HK$1,345/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$44,214/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,143
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,763
−HK$630/mo
Today · 4.125%
HK$24,393
baseline
▲ 0.50% · 4.625%
HK$25,679
+HK$1,286/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$48,786/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,746
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,578
−HK$845/mo
Today · 4.125%
HK$28,423
baseline
▲ 0.50% · 4.625%
HK$30,153
+HK$1,730/mo
Deposit HK$652K · loan HK$5.86M · min. income ≈ HK$56,846/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$186,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,755
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,553
−HK$809/mo
Today · 4.125%
HK$31,362
baseline
▲ 0.50% · 4.625%
HK$33,015
+HK$1,653/mo
Deposit HK$652K · loan HK$5.86M · min. income ≈ HK$62,724/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$186,636 · 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).