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$14,932
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,396
−HK$472/mo
Today · 4.125%
HK$15,868
baseline
▲ 0.50% · 4.625%
HK$16,834
+HK$966/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,736/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,611
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,057
−HK$452/mo
Today · 4.125%
HK$17,509
baseline
▲ 0.50% · 4.625%
HK$18,432
+HK$923/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$35,018/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,918
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,475
−HK$567/mo
Today · 4.125%
HK$19,042
baseline
▲ 0.50% · 4.625%
HK$20,200
+HK$1,158/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,084/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,934
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,468
−HK$543/mo
Today · 4.125%
HK$21,011
baseline
▲ 0.50% · 4.625%
HK$22,118
+HK$1,107/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,022/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,904
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,555
−HK$660/mo
Today · 4.125%
HK$22,215
baseline
▲ 0.50% · 4.625%
HK$23,567
+HK$1,352/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,430/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,256
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,880
−HK$632/mo
Today · 4.125%
HK$24,512
baseline
▲ 0.50% · 4.625%
HK$25,804
+HK$1,292/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$49,024/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,877
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,713
−HK$849/mo
Today · 4.125%
HK$28,562
baseline
▲ 0.50% · 4.625%
HK$30,300
+HK$1,738/mo
Deposit HK$655K · loan HK$5.89M · min. income ≈ HK$57,124/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$189,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,900
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,702
−HK$814/mo
Today · 4.125%
HK$31,516
baseline
▲ 0.50% · 4.625%
HK$33,177
+HK$1,661/mo
Deposit HK$655K · loan HK$5.89M · min. income ≈ HK$63,032/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$189,826 · 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).