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$14,869
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,332
−HK$470/mo
Today · 4.125%
HK$15,802
baseline
▲ 0.50% · 4.625%
HK$16,763
+HK$961/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,604/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,542
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,986
−HK$450/mo
Today · 4.125%
HK$17,436
baseline
▲ 0.50% · 4.625%
HK$18,355
+HK$919/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,872/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,843
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,398
−HK$564/mo
Today · 4.125%
HK$18,962
baseline
▲ 0.50% · 4.625%
HK$20,116
+HK$1,154/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$37,924/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,851
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,383
−HK$540/mo
Today · 4.125%
HK$20,923
baseline
▲ 0.50% · 4.625%
HK$22,026
+HK$1,103/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$41,846/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,817
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,465
−HK$658/mo
Today · 4.125%
HK$22,123
baseline
▲ 0.50% · 4.625%
HK$23,469
+HK$1,346/mo
Deposit HK$1.96M · loan HK$4.56M · min. income ≈ HK$44,246/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$187,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,159
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,780
−HK$630/mo
Today · 4.125%
HK$24,410
baseline
▲ 0.50% · 4.625%
HK$25,697
+HK$1,287/mo
Deposit HK$1.96M · loan HK$4.56M · min. income ≈ HK$48,820/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$187,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,765
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,598
−HK$845/mo
Today · 4.125%
HK$28,443
baseline
▲ 0.50% · 4.625%
HK$30,174
+HK$1,731/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$56,886/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$187,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,776
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,574
−HK$811/mo
Today · 4.125%
HK$31,385
baseline
▲ 0.50% · 4.625%
HK$33,039
+HK$1,654/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$62,770/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$187,097 · 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).