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$14,013
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,449
−HK$443/mo
Today · 4.125%
HK$14,892
baseline
▲ 0.50% · 4.625%
HK$15,798
+HK$906/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,784/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,589
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,007
−HK$425/mo
Today · 4.125%
HK$16,432
baseline
▲ 0.50% · 4.625%
HK$17,298
+HK$866/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,864/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,816
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,339
−HK$531/mo
Today · 4.125%
HK$17,870
baseline
▲ 0.50% · 4.625%
HK$18,957
+HK$1,087/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,740/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,707
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,209
−HK$509/mo
Today · 4.125%
HK$19,718
baseline
▲ 0.50% · 4.625%
HK$20,757
+HK$1,039/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,436/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,618
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,228
−HK$620/mo
Today · 4.125%
HK$20,848
baseline
▲ 0.50% · 4.625%
HK$22,117
+HK$1,269/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$41,696/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,825
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,410
−HK$594/mo
Today · 4.125%
HK$23,004
baseline
▲ 0.50% · 4.625%
HK$24,217
+HK$1,213/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$46,008/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,223
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,008
−HK$797/mo
Today · 4.125%
HK$26,805
baseline
▲ 0.50% · 4.625%
HK$28,436
+HK$1,631/mo
Deposit HK$615K · loan HK$5.53M · min. income ≈ HK$53,610/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$149,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,061
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,813
−HK$764/mo
Today · 4.125%
HK$29,577
baseline
▲ 0.50% · 4.625%
HK$31,136
+HK$1,559/mo
Deposit HK$615K · loan HK$5.53M · min. income ≈ HK$59,154/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$149,536 · 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).