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$14,015
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,451
−HK$443/mo
Today · 4.125%
HK$14,894
baseline
▲ 0.50% · 4.625%
HK$15,800
+HK$906/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,788/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,592
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,010
−HK$424/mo
Today · 4.125%
HK$16,434
baseline
▲ 0.50% · 4.625%
HK$17,300
+HK$866/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,868/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,818
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,341
−HK$532/mo
Today · 4.125%
HK$17,873
baseline
▲ 0.50% · 4.625%
HK$18,960
+HK$1,087/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,746/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,710
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,212
−HK$509/mo
Today · 4.125%
HK$19,721
baseline
▲ 0.50% · 4.625%
HK$20,760
+HK$1,039/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,442/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,621
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,232
−HK$620/mo
Today · 4.125%
HK$20,852
baseline
▲ 0.50% · 4.625%
HK$22,120
+HK$1,268/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$41,704/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,828
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,414
−HK$594/mo
Today · 4.125%
HK$23,008
baseline
▲ 0.50% · 4.625%
HK$24,221
+HK$1,213/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$46,016/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,227
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,012
−HK$797/mo
Today · 4.125%
HK$26,809
baseline
▲ 0.50% · 4.625%
HK$28,441
+HK$1,632/mo
Deposit HK$615K · loan HK$5.53M · min. income ≈ HK$53,618/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$149,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,065
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,818
−HK$763/mo
Today · 4.125%
HK$29,581
baseline
▲ 0.50% · 4.625%
HK$31,141
+HK$1,560/mo
Deposit HK$615K · loan HK$5.53M · min. income ≈ HK$59,162/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$149,632 · 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).