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$14,877
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,340
−HK$470/mo
Today · 4.125%
HK$15,810
baseline
▲ 0.50% · 4.625%
HK$16,772
+HK$962/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,620/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,551
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,995
−HK$450/mo
Today · 4.125%
HK$17,445
baseline
▲ 0.50% · 4.625%
HK$18,365
+HK$920/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,890/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,853
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,408
−HK$564/mo
Today · 4.125%
HK$18,972
baseline
▲ 0.50% · 4.625%
HK$20,127
+HK$1,155/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$37,944/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,861
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,394
−HK$540/mo
Today · 4.125%
HK$20,934
baseline
▲ 0.50% · 4.625%
HK$22,038
+HK$1,104/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$41,868/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,828
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,476
−HK$658/mo
Today · 4.125%
HK$22,134
baseline
▲ 0.50% · 4.625%
HK$23,481
+HK$1,347/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,268/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$187,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,171
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,793
−HK$630/mo
Today · 4.125%
HK$24,423
baseline
▲ 0.50% · 4.625%
HK$25,711
+HK$1,288/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,846/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$187,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,779
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,612
−HK$847/mo
Today · 4.125%
HK$28,459
baseline
▲ 0.50% · 4.625%
HK$30,190
+HK$1,731/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$56,918/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$187,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,792
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,591
−HK$810/mo
Today · 4.125%
HK$31,401
baseline
▲ 0.50% · 4.625%
HK$33,056
+HK$1,655/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$62,802/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$187,444 · 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).