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$14,017
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,453
−HK$443/mo
Today · 4.125%
HK$14,896
baseline
▲ 0.50% · 4.625%
HK$15,802
+HK$906/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,792/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,593
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,012
−HK$424/mo
Today · 4.125%
HK$16,436
baseline
▲ 0.50% · 4.625%
HK$17,302
+HK$866/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,872/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,820
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,343
−HK$532/mo
Today · 4.125%
HK$17,875
baseline
▲ 0.50% · 4.625%
HK$18,962
+HK$1,087/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,750/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,712
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,214
−HK$509/mo
Today · 4.125%
HK$19,723
baseline
▲ 0.50% · 4.625%
HK$20,763
+HK$1,040/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,446/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,623
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,234
−HK$620/mo
Today · 4.125%
HK$20,854
baseline
▲ 0.50% · 4.625%
HK$22,123
+HK$1,269/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$41,708/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,831
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,416
−HK$594/mo
Today · 4.125%
HK$23,010
baseline
▲ 0.50% · 4.625%
HK$24,223
+HK$1,213/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$46,020/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,230
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,015
−HK$797/mo
Today · 4.125%
HK$26,812
baseline
▲ 0.50% · 4.625%
HK$28,443
+HK$1,631/mo
Deposit HK$615K · loan HK$5.53M · min. income ≈ HK$53,624/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$149,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,068
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,821
−HK$763/mo
Today · 4.125%
HK$29,584
baseline
▲ 0.50% · 4.625%
HK$31,144
+HK$1,560/mo
Deposit HK$615K · loan HK$5.53M · min. income ≈ HK$59,168/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$149,694 · 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).