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$14,018
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,454
−HK$443/mo
Today · 4.125%
HK$14,897
baseline
▲ 0.50% · 4.625%
HK$15,804
+HK$907/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,794/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,595
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,013
−HK$425/mo
Today · 4.125%
HK$16,438
baseline
▲ 0.50% · 4.625%
HK$17,304
+HK$866/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,876/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,822
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,345
−HK$532/mo
Today · 4.125%
HK$17,877
baseline
▲ 0.50% · 4.625%
HK$18,965
+HK$1,088/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,754/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,714
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,216
−HK$509/mo
Today · 4.125%
HK$19,725
baseline
▲ 0.50% · 4.625%
HK$20,765
+HK$1,040/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,450/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,626
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,236
−HK$620/mo
Today · 4.125%
HK$20,856
baseline
▲ 0.50% · 4.625%
HK$22,125
+HK$1,269/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$41,712/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,833
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,419
−HK$594/mo
Today · 4.125%
HK$23,013
baseline
▲ 0.50% · 4.625%
HK$24,226
+HK$1,213/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$46,026/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,233
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,018
−HK$797/mo
Today · 4.125%
HK$26,815
baseline
▲ 0.50% · 4.625%
HK$28,447
+HK$1,632/mo
Deposit HK$615K · loan HK$5.53M · min. income ≈ HK$53,630/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$149,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,071
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,824
−HK$764/mo
Today · 4.125%
HK$29,588
baseline
▲ 0.50% · 4.625%
HK$31,148
+HK$1,560/mo
Deposit HK$615K · loan HK$5.53M · min. income ≈ HK$59,176/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$149,769 · 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).