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$14,848
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,310
−HK$470/mo
Today · 4.125%
HK$15,780
baseline
▲ 0.50% · 4.625%
HK$16,740
+HK$960/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,560/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$186,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,519
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,962
−HK$449/mo
Today · 4.125%
HK$17,411
baseline
▲ 0.50% · 4.625%
HK$18,329
+HK$918/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,822/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$186,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,818
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,372
−HK$563/mo
Today · 4.125%
HK$18,935
baseline
▲ 0.50% · 4.625%
HK$20,088
+HK$1,153/mo
Deposit HK$2.60M · loan HK$3.91M · min. income ≈ HK$37,870/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,822
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,354
−HK$539/mo
Today · 4.125%
HK$20,893
baseline
▲ 0.50% · 4.625%
HK$21,995
+HK$1,102/mo
Deposit HK$2.60M · loan HK$3.91M · min. income ≈ HK$41,786/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,788
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,434
−HK$657/mo
Today · 4.125%
HK$22,091
baseline
▲ 0.50% · 4.625%
HK$23,436
+HK$1,345/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$44,182/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,126
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,746
−HK$630/mo
Today · 4.125%
HK$24,376
baseline
▲ 0.50% · 4.625%
HK$25,661
+HK$1,285/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$48,752/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,727
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,559
−HK$844/mo
Today · 4.125%
HK$28,403
baseline
▲ 0.50% · 4.625%
HK$30,131
+HK$1,728/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$56,806/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$186,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,734
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,531
−HK$809/mo
Today · 4.125%
HK$31,340
baseline
▲ 0.50% · 4.625%
HK$32,992
+HK$1,652/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$62,680/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$186,175 · 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).