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$14,001
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,436
−HK$443/mo
Today · 4.125%
HK$14,879
baseline
▲ 0.50% · 4.625%
HK$15,784
+HK$905/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,758/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,576
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,994
−HK$423/mo
Today · 4.125%
HK$16,417
baseline
▲ 0.50% · 4.625%
HK$17,283
+HK$866/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,834/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,801
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,324
−HK$531/mo
Today · 4.125%
HK$17,855
baseline
▲ 0.50% · 4.625%
HK$18,941
+HK$1,086/mo
Deposit HK$2.46M · loan HK$3.68M · min. income ≈ HK$35,710/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,691
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,192
−HK$509/mo
Today · 4.125%
HK$19,701
baseline
▲ 0.50% · 4.625%
HK$20,739
+HK$1,038/mo
Deposit HK$2.46M · loan HK$3.68M · min. income ≈ HK$39,402/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,601
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,211
−HK$619/mo
Today · 4.125%
HK$20,830
baseline
▲ 0.50% · 4.625%
HK$22,098
+HK$1,268/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$41,660/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,806
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,391
−HK$593/mo
Today · 4.125%
HK$22,984
baseline
▲ 0.50% · 4.625%
HK$24,196
+HK$1,212/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$45,968/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,202
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,986
−HK$796/mo
Today · 4.125%
HK$26,782
baseline
▲ 0.50% · 4.625%
HK$28,412
+HK$1,630/mo
Deposit HK$614K · loan HK$5.53M · min. income ≈ HK$53,564/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$149,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,037
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,789
−HK$762/mo
Today · 4.125%
HK$29,551
baseline
▲ 0.50% · 4.625%
HK$31,109
+HK$1,558/mo
Deposit HK$614K · loan HK$5.53M · min. income ≈ HK$59,102/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$149,008 · 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).