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$14,022
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,458
−HK$443/mo
Today · 4.125%
HK$14,901
baseline
▲ 0.50% · 4.625%
HK$15,808
+HK$907/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,802/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,599
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,017
−HK$425/mo
Today · 4.125%
HK$16,442
baseline
▲ 0.50% · 4.625%
HK$17,308
+HK$866/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,884/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,826
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,349
−HK$532/mo
Today · 4.125%
HK$17,881
baseline
▲ 0.50% · 4.625%
HK$18,969
+HK$1,088/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,762/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,719
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,221
−HK$509/mo
Today · 4.125%
HK$19,730
baseline
▲ 0.50% · 4.625%
HK$20,770
+HK$1,040/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,460/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,630
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,241
−HK$620/mo
Today · 4.125%
HK$20,861
baseline
▲ 0.50% · 4.625%
HK$22,131
+HK$1,270/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$41,722/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,839
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,424
−HK$594/mo
Today · 4.125%
HK$23,018
baseline
▲ 0.50% · 4.625%
HK$24,232
+HK$1,214/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$46,036/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,239
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,024
−HK$798/mo
Today · 4.125%
HK$26,822
baseline
▲ 0.50% · 4.625%
HK$28,454
+HK$1,632/mo
Deposit HK$615K · loan HK$5.53M · min. income ≈ HK$53,644/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$149,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,078
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,831
−HK$764/mo
Today · 4.125%
HK$29,595
baseline
▲ 0.50% · 4.625%
HK$31,155
+HK$1,560/mo
Deposit HK$615K · loan HK$5.53M · min. income ≈ HK$59,190/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$149,918 · 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).