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$14,882
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,345
−HK$470/mo
Today · 4.125%
HK$15,815
baseline
▲ 0.50% · 4.625%
HK$16,778
+HK$963/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,630/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,556
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,000
−HK$451/mo
Today · 4.125%
HK$17,451
baseline
▲ 0.50% · 4.625%
HK$18,371
+HK$920/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,902/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,859
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,414
−HK$564/mo
Today · 4.125%
HK$18,978
baseline
▲ 0.50% · 4.625%
HK$20,133
+HK$1,155/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$37,956/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,867
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,400
−HK$541/mo
Today · 4.125%
HK$20,941
baseline
▲ 0.50% · 4.625%
HK$22,045
+HK$1,104/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,882/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,835
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,483
−HK$659/mo
Today · 4.125%
HK$22,142
baseline
▲ 0.50% · 4.625%
HK$23,489
+HK$1,347/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,284/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$187,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,179
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,800
−HK$631/mo
Today · 4.125%
HK$24,431
baseline
▲ 0.50% · 4.625%
HK$25,719
+HK$1,288/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,862/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$187,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,788
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,621
−HK$847/mo
Today · 4.125%
HK$28,468
baseline
▲ 0.50% · 4.625%
HK$30,200
+HK$1,732/mo
Deposit HK$653K · loan HK$5.87M · min. income ≈ HK$56,936/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$187,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,801
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,600
−HK$811/mo
Today · 4.125%
HK$31,411
baseline
▲ 0.50% · 4.625%
HK$33,067
+HK$1,656/mo
Deposit HK$653K · loan HK$5.87M · min. income ≈ HK$62,822/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$187,653 · 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).