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$14,885
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,348
−HK$471/mo
Today · 4.125%
HK$15,819
baseline
▲ 0.50% · 4.625%
HK$16,781
+HK$962/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,638/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,560
−HK$894/mo
▼ 0.25% · 3.875%
HK$17,004
−HK$450/mo
Today · 4.125%
HK$17,454
baseline
▲ 0.50% · 4.625%
HK$18,375
+HK$921/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,908/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,862
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,418
−HK$565/mo
Today · 4.125%
HK$18,983
baseline
▲ 0.50% · 4.625%
HK$20,138
+HK$1,155/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$37,966/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,872
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,405
−HK$540/mo
Today · 4.125%
HK$20,945
baseline
▲ 0.50% · 4.625%
HK$22,049
+HK$1,104/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,890/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,840
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,488
−HK$658/mo
Today · 4.125%
HK$22,146
baseline
▲ 0.50% · 4.625%
HK$23,494
+HK$1,348/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,292/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$187,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,184
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,806
−HK$630/mo
Today · 4.125%
HK$24,436
baseline
▲ 0.50% · 4.625%
HK$25,724
+HK$1,288/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,872/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$187,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,794
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,627
−HK$847/mo
Today · 4.125%
HK$28,474
baseline
▲ 0.50% · 4.625%
HK$30,206
+HK$1,732/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$56,948/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$187,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,808
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,607
−HK$811/mo
Today · 4.125%
HK$31,418
baseline
▲ 0.50% · 4.625%
HK$33,074
+HK$1,656/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$62,836/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$187,794 · 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).