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$14,011
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,447
−HK$443/mo
Today · 4.125%
HK$14,890
baseline
▲ 0.50% · 4.625%
HK$15,796
+HK$906/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,780/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,587
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,005
−HK$424/mo
Today · 4.125%
HK$16,429
baseline
▲ 0.50% · 4.625%
HK$17,295
+HK$866/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,858/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,813
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,336
−HK$532/mo
Today · 4.125%
HK$17,868
baseline
▲ 0.50% · 4.625%
HK$18,955
+HK$1,087/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,736/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,705
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,206
−HK$509/mo
Today · 4.125%
HK$19,715
baseline
▲ 0.50% · 4.625%
HK$20,754
+HK$1,039/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,430/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,616
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,226
−HK$620/mo
Today · 4.125%
HK$20,846
baseline
▲ 0.50% · 4.625%
HK$22,114
+HK$1,268/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$41,692/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,822
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,407
−HK$594/mo
Today · 4.125%
HK$23,001
baseline
▲ 0.50% · 4.625%
HK$24,213
+HK$1,212/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$46,002/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,220
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$26,004
−HK$797/mo
Today · 4.125%
HK$26,801
baseline
▲ 0.50% · 4.625%
HK$28,432
+HK$1,631/mo
Deposit HK$614K · loan HK$5.53M · min. income ≈ HK$53,602/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$149,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,057
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,809
−HK$764/mo
Today · 4.125%
HK$29,573
baseline
▲ 0.50% · 4.625%
HK$31,132
+HK$1,559/mo
Deposit HK$614K · loan HK$5.53M · min. income ≈ HK$59,146/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$149,452 · 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).