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$14,847
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,308
−HK$470/mo
Today · 4.125%
HK$15,778
baseline
▲ 0.50% · 4.625%
HK$16,738
+HK$960/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,556/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$186,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,517
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,960
−HK$449/mo
Today · 4.125%
HK$17,409
baseline
▲ 0.50% · 4.625%
HK$18,327
+HK$918/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$186,091 · 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$186,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,820
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,352
−HK$539/mo
Today · 4.125%
HK$20,891
baseline
▲ 0.50% · 4.625%
HK$21,992
+HK$1,101/mo
Deposit HK$2.60M · loan HK$3.91M · min. income ≈ HK$41,782/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,785
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,432
−HK$657/mo
Today · 4.125%
HK$22,089
baseline
▲ 0.50% · 4.625%
HK$23,433
+HK$1,344/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$44,178/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,123
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,743
−HK$630/mo
Today · 4.125%
HK$24,373
baseline
▲ 0.50% · 4.625%
HK$25,657
+HK$1,284/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$48,746/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,724
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,555
−HK$845/mo
Today · 4.125%
HK$28,400
baseline
▲ 0.50% · 4.625%
HK$30,128
+HK$1,728/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$56,800/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$186,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,730
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,527
−HK$809/mo
Today · 4.125%
HK$31,336
baseline
▲ 0.50% · 4.625%
HK$32,988
+HK$1,652/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$186,091 · 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).