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$14,883
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,346
−HK$470/mo
Today · 4.125%
HK$15,816
baseline
▲ 0.50% · 4.625%
HK$16,778
+HK$962/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,632/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,557
−HK$894/mo
▼ 0.25% · 3.875%
HK$17,001
−HK$450/mo
Today · 4.125%
HK$17,451
baseline
▲ 0.50% · 4.625%
HK$18,371
+HK$920/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,902/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,859
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,415
−HK$564/mo
Today · 4.125%
HK$18,979
baseline
▲ 0.50% · 4.625%
HK$20,134
+HK$1,155/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$37,958/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,868
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,401
−HK$541/mo
Today · 4.125%
HK$20,942
baseline
▲ 0.50% · 4.625%
HK$22,045
+HK$1,103/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,884/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,836
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,484
−HK$658/mo
Today · 4.125%
HK$22,142
baseline
▲ 0.50% · 4.625%
HK$23,490
+HK$1,348/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,284/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$187,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,180
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,801
−HK$631/mo
Today · 4.125%
HK$24,432
baseline
▲ 0.50% · 4.625%
HK$25,720
+HK$1,288/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,864/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$187,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,789
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,622
−HK$847/mo
Today · 4.125%
HK$28,469
baseline
▲ 0.50% · 4.625%
HK$30,201
+HK$1,732/mo
Deposit HK$653K · loan HK$5.87M · min. income ≈ HK$56,938/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$187,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,802
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,602
−HK$810/mo
Today · 4.125%
HK$31,412
baseline
▲ 0.50% · 4.625%
HK$33,068
+HK$1,656/mo
Deposit HK$653K · loan HK$5.87M · min. income ≈ HK$62,824/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$187,675 · 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).