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$14,854
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,316
−HK$470/mo
Today · 4.125%
HK$15,786
baseline
▲ 0.50% · 4.625%
HK$16,746
+HK$960/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,572/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$186,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,525
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,968
−HK$450/mo
Today · 4.125%
HK$17,418
baseline
▲ 0.50% · 4.625%
HK$18,336
+HK$918/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,836/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$186,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,825
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,380
−HK$563/mo
Today · 4.125%
HK$18,943
baseline
▲ 0.50% · 4.625%
HK$20,096
+HK$1,153/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$37,886/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,830
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,362
−HK$540/mo
Today · 4.125%
HK$20,902
baseline
▲ 0.50% · 4.625%
HK$22,003
+HK$1,101/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$41,804/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,796
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,443
−HK$657/mo
Today · 4.125%
HK$22,100
baseline
▲ 0.50% · 4.625%
HK$23,445
+HK$1,345/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$44,200/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,135
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,756
−HK$629/mo
Today · 4.125%
HK$24,385
baseline
▲ 0.50% · 4.625%
HK$25,671
+HK$1,286/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$48,770/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,738
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,569
−HK$845/mo
Today · 4.125%
HK$28,414
baseline
▲ 0.50% · 4.625%
HK$30,143
+HK$1,729/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$56,828/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$186,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,746
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,543
−HK$810/mo
Today · 4.125%
HK$31,353
baseline
▲ 0.50% · 4.625%
HK$33,005
+HK$1,652/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$62,706/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$186,433 · 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).