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$14,015
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,451
−HK$443/mo
Today · 4.125%
HK$14,894
baseline
▲ 0.50% · 4.625%
HK$15,800
+HK$906/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,788/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,591
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,009
−HK$425/mo
Today · 4.125%
HK$16,434
baseline
▲ 0.50% · 4.625%
HK$17,300
+HK$866/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,868/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,818
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,341
−HK$531/mo
Today · 4.125%
HK$17,872
baseline
▲ 0.50% · 4.625%
HK$18,960
+HK$1,088/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,744/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,710
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,211
−HK$509/mo
Today · 4.125%
HK$19,720
baseline
▲ 0.50% · 4.625%
HK$20,760
+HK$1,040/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,440/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,621
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,231
−HK$620/mo
Today · 4.125%
HK$20,851
baseline
▲ 0.50% · 4.625%
HK$22,120
+HK$1,269/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$41,702/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,828
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,413
−HK$594/mo
Today · 4.125%
HK$23,007
baseline
▲ 0.50% · 4.625%
HK$24,220
+HK$1,213/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$46,014/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,227
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,011
−HK$798/mo
Today · 4.125%
HK$26,809
baseline
▲ 0.50% · 4.625%
HK$28,440
+HK$1,631/mo
Deposit HK$615K · loan HK$5.53M · min. income ≈ HK$53,618/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$149,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,064
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,817
−HK$764/mo
Today · 4.125%
HK$29,581
baseline
▲ 0.50% · 4.625%
HK$31,140
+HK$1,559/mo
Deposit HK$615K · loan HK$5.53M · min. income ≈ HK$59,162/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$149,614 · 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).