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$14,890
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,353
−HK$470/mo
Today · 4.125%
HK$15,823
baseline
▲ 0.50% · 4.625%
HK$16,786
+HK$963/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,646/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,565
−HK$894/mo
▼ 0.25% · 3.875%
HK$17,009
−HK$450/mo
Today · 4.125%
HK$17,459
baseline
▲ 0.50% · 4.625%
HK$18,380
+HK$921/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,918/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$187,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,868
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,423
−HK$565/mo
Today · 4.125%
HK$18,988
baseline
▲ 0.50% · 4.625%
HK$20,143
+HK$1,155/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$37,976/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,877
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,411
−HK$540/mo
Today · 4.125%
HK$20,951
baseline
▲ 0.50% · 4.625%
HK$22,056
+HK$1,105/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,902/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$187,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,845
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,494
−HK$659/mo
Today · 4.125%
HK$22,153
baseline
▲ 0.50% · 4.625%
HK$23,501
+HK$1,348/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,306/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$187,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,190
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,812
−HK$631/mo
Today · 4.125%
HK$24,443
baseline
▲ 0.50% · 4.625%
HK$25,732
+HK$1,289/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,886/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$187,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,801
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,635
−HK$847/mo
Today · 4.125%
HK$28,482
baseline
▲ 0.50% · 4.625%
HK$30,215
+HK$1,733/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$56,964/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$187,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,816
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,616
−HK$811/mo
Today · 4.125%
HK$31,427
baseline
▲ 0.50% · 4.625%
HK$33,084
+HK$1,657/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$62,854/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$187,979 · 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).