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$879/mo
▼ 0.25% · 3.875%
HK$14,459
−HK$443/mo
Today · 4.125%
HK$14,902
baseline
▲ 0.50% · 4.625%
HK$15,809
+HK$907/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,804/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,600
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,019
−HK$424/mo
Today · 4.125%
HK$16,443
baseline
▲ 0.50% · 4.625%
HK$17,310
+HK$867/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,886/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,827
−HK$1,056/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$149,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,720
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,222
−HK$510/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$149,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,632
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,243
−HK$620/mo
Today · 4.125%
HK$20,863
baseline
▲ 0.50% · 4.625%
HK$22,133
+HK$1,270/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$41,726/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,840
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,426
−HK$594/mo
Today · 4.125%
HK$23,020
baseline
▲ 0.50% · 4.625%
HK$24,234
+HK$1,214/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$46,040/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,241
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,026
−HK$798/mo
Today · 4.125%
HK$26,824
baseline
▲ 0.50% · 4.625%
HK$28,456
+HK$1,632/mo
Deposit HK$615K · loan HK$5.53M · min. income ≈ HK$53,648/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$149,970 · 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$31,158
+HK$1,560/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$149,970 · 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).