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$14,845
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,306
−HK$469/mo
Today · 4.125%
HK$15,775
baseline
▲ 0.50% · 4.625%
HK$16,735
+HK$960/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,550/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$186,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,514
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,957
−HK$450/mo
Today · 4.125%
HK$17,407
baseline
▲ 0.50% · 4.625%
HK$18,324
+HK$917/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,814/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$186,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,813
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,368
−HK$562/mo
Today · 4.125%
HK$18,930
baseline
▲ 0.50% · 4.625%
HK$20,082
+HK$1,152/mo
Deposit HK$2.60M · loan HK$3.91M · min. income ≈ HK$37,860/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,817
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,349
−HK$539/mo
Today · 4.125%
HK$20,888
baseline
▲ 0.50% · 4.625%
HK$21,989
+HK$1,101/mo
Deposit HK$2.60M · loan HK$3.91M · min. income ≈ HK$41,776/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,782
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,429
−HK$657/mo
Today · 4.125%
HK$22,086
baseline
▲ 0.50% · 4.625%
HK$23,429
+HK$1,343/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$44,172/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,120
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,740
−HK$629/mo
Today · 4.125%
HK$24,369
baseline
▲ 0.50% · 4.625%
HK$25,654
+HK$1,285/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$48,738/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,720
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,551
−HK$845/mo
Today · 4.125%
HK$28,396
baseline
▲ 0.50% · 4.625%
HK$30,124
+HK$1,728/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$56,792/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$186,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,726
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,523
−HK$809/mo
Today · 4.125%
HK$31,332
baseline
▲ 0.50% · 4.625%
HK$32,983
+HK$1,651/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$62,664/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$186,003 · 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).