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$14,012
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,448
−HK$442/mo
Today · 4.125%
HK$14,890
baseline
▲ 0.50% · 4.625%
HK$15,796
+HK$906/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,780/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,588
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,006
−HK$424/mo
Today · 4.125%
HK$16,430
baseline
▲ 0.50% · 4.625%
HK$17,296
+HK$866/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,860/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,814
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,337
−HK$532/mo
Today · 4.125%
HK$17,869
baseline
▲ 0.50% · 4.625%
HK$18,956
+HK$1,087/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,738/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,706
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,207
−HK$509/mo
Today · 4.125%
HK$19,716
baseline
▲ 0.50% · 4.625%
HK$20,755
+HK$1,039/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,432/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,616
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,227
−HK$620/mo
Today · 4.125%
HK$20,847
baseline
▲ 0.50% · 4.625%
HK$22,115
+HK$1,268/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$41,694/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,823
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,408
−HK$594/mo
Today · 4.125%
HK$23,002
baseline
▲ 0.50% · 4.625%
HK$24,215
+HK$1,213/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$46,004/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,221
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,006
−HK$797/mo
Today · 4.125%
HK$26,803
baseline
▲ 0.50% · 4.625%
HK$28,434
+HK$1,631/mo
Deposit HK$614K · loan HK$5.53M · min. income ≈ HK$53,606/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$149,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,058
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,811
−HK$763/mo
Today · 4.125%
HK$29,574
baseline
▲ 0.50% · 4.625%
HK$31,133
+HK$1,559/mo
Deposit HK$614K · loan HK$5.53M · min. income ≈ HK$59,148/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$149,482 · 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).