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$14,873
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,336
−HK$470/mo
Today · 4.125%
HK$15,806
baseline
▲ 0.50% · 4.625%
HK$16,767
+HK$961/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,612/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,546
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,990
−HK$450/mo
Today · 4.125%
HK$17,440
baseline
▲ 0.50% · 4.625%
HK$18,359
+HK$919/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,880/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,847
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,403
−HK$564/mo
Today · 4.125%
HK$18,967
baseline
▲ 0.50% · 4.625%
HK$20,121
+HK$1,154/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$37,934/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,855
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,388
−HK$540/mo
Today · 4.125%
HK$20,928
baseline
▲ 0.50% · 4.625%
HK$22,031
+HK$1,103/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$41,856/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,822
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,470
−HK$658/mo
Today · 4.125%
HK$22,128
baseline
▲ 0.50% · 4.625%
HK$23,474
+HK$1,346/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,256/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$187,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,164
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,786
−HK$630/mo
Today · 4.125%
HK$24,416
baseline
▲ 0.50% · 4.625%
HK$25,703
+HK$1,287/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,832/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$187,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,771
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,604
−HK$846/mo
Today · 4.125%
HK$28,450
baseline
▲ 0.50% · 4.625%
HK$30,181
+HK$1,731/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$56,900/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$187,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,783
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,581
−HK$811/mo
Today · 4.125%
HK$31,392
baseline
▲ 0.50% · 4.625%
HK$33,046
+HK$1,654/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$62,784/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$187,247 · 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).