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$14,846
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,308
−HK$469/mo
Today · 4.125%
HK$15,777
baseline
▲ 0.50% · 4.625%
HK$16,737
+HK$960/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,554/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$186,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,516
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,959
−HK$450/mo
Today · 4.125%
HK$17,409
baseline
▲ 0.50% · 4.625%
HK$18,326
+HK$917/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,818/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$186,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,816
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,370
−HK$563/mo
Today · 4.125%
HK$18,933
baseline
▲ 0.50% · 4.625%
HK$20,085
+HK$1,152/mo
Deposit HK$2.60M · loan HK$3.91M · min. income ≈ HK$37,866/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,820
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,351
−HK$539/mo
Today · 4.125%
HK$20,890
baseline
▲ 0.50% · 4.625%
HK$21,992
+HK$1,102/mo
Deposit HK$2.60M · loan HK$3.91M · min. income ≈ HK$41,780/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,785
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,431
−HK$657/mo
Today · 4.125%
HK$22,088
baseline
▲ 0.50% · 4.625%
HK$23,432
+HK$1,344/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$44,176/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,123
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,743
−HK$629/mo
Today · 4.125%
HK$24,372
baseline
▲ 0.50% · 4.625%
HK$25,657
+HK$1,285/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$48,744/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,723
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,555
−HK$844/mo
Today · 4.125%
HK$28,399
baseline
▲ 0.50% · 4.625%
HK$30,127
+HK$1,728/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$56,798/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$186,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,729
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,527
−HK$809/mo
Today · 4.125%
HK$31,336
baseline
▲ 0.50% · 4.625%
HK$32,987
+HK$1,651/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$62,672/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$186,080 · 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).