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$14,856
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,319
−HK$469/mo
Today · 4.125%
HK$15,788
baseline
▲ 0.50% · 4.625%
HK$16,749
+HK$961/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,576/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$186,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,528
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,971
−HK$450/mo
Today · 4.125%
HK$17,421
baseline
▲ 0.50% · 4.625%
HK$18,339
+HK$918/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,842/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$186,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,828
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,382
−HK$564/mo
Today · 4.125%
HK$18,946
baseline
▲ 0.50% · 4.625%
HK$20,098
+HK$1,152/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$37,892/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,833
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,365
−HK$540/mo
Today · 4.125%
HK$20,905
baseline
▲ 0.50% · 4.625%
HK$22,007
+HK$1,102/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$41,810/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,799
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,446
−HK$657/mo
Today · 4.125%
HK$22,103
baseline
▲ 0.50% · 4.625%
HK$23,448
+HK$1,345/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$44,206/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,139
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,759
−HK$630/mo
Today · 4.125%
HK$24,389
baseline
▲ 0.50% · 4.625%
HK$25,674
+HK$1,285/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$48,778/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,742
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,573
−HK$846/mo
Today · 4.125%
HK$28,419
baseline
▲ 0.50% · 4.625%
HK$30,148
+HK$1,729/mo
Deposit HK$652K · loan HK$5.86M · min. income ≈ HK$56,838/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$186,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,750
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,548
−HK$809/mo
Today · 4.125%
HK$31,357
baseline
▲ 0.50% · 4.625%
HK$33,010
+HK$1,653/mo
Deposit HK$652K · loan HK$5.86M · min. income ≈ HK$62,714/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$186,525 · 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).