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$14,023
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,459
−HK$444/mo
Today · 4.125%
HK$14,903
baseline
▲ 0.50% · 4.625%
HK$15,809
+HK$906/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,806/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,601
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,019
−HK$425/mo
Today · 4.125%
HK$16,444
baseline
▲ 0.50% · 4.625%
HK$17,310
+HK$866/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,888/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,828
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,351
−HK$532/mo
Today · 4.125%
HK$17,883
baseline
▲ 0.50% · 4.625%
HK$18,971
+HK$1,088/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,766/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,721
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,223
−HK$509/mo
Today · 4.125%
HK$19,732
baseline
▲ 0.50% · 4.625%
HK$20,772
+HK$1,040/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,464/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,633
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,243
−HK$621/mo
Today · 4.125%
HK$20,864
baseline
▲ 0.50% · 4.625%
HK$22,133
+HK$1,269/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$41,728/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,841
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,427
−HK$594/mo
Today · 4.125%
HK$23,021
baseline
▲ 0.50% · 4.625%
HK$24,234
+HK$1,213/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$46,042/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,242
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,027
−HK$798/mo
Today · 4.125%
HK$26,825
baseline
▲ 0.50% · 4.625%
HK$28,457
+HK$1,632/mo
Deposit HK$615K · loan HK$5.53M · min. income ≈ HK$53,650/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$149,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,081
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,834
−HK$764/mo
Today · 4.125%
HK$29,598
baseline
▲ 0.50% · 4.625%
HK$31,159
+HK$1,561/mo
Deposit HK$615K · loan HK$5.53M · min. income ≈ HK$59,196/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$149,986 · 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).