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$14,003
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,439
−HK$442/mo
Today · 4.125%
HK$14,881
baseline
▲ 0.50% · 4.625%
HK$15,787
+HK$906/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,762/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,579
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,996
−HK$424/mo
Today · 4.125%
HK$16,420
baseline
▲ 0.50% · 4.625%
HK$17,286
+HK$866/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,840/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,804
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,327
−HK$531/mo
Today · 4.125%
HK$17,858
baseline
▲ 0.50% · 4.625%
HK$18,944
+HK$1,086/mo
Deposit HK$2.46M · loan HK$3.68M · min. income ≈ HK$35,716/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,694
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,196
−HK$508/mo
Today · 4.125%
HK$19,704
baseline
▲ 0.50% · 4.625%
HK$20,743
+HK$1,039/mo
Deposit HK$2.46M · loan HK$3.68M · min. income ≈ HK$39,408/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,605
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,215
−HK$619/mo
Today · 4.125%
HK$20,834
baseline
▲ 0.50% · 4.625%
HK$22,102
+HK$1,268/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$41,668/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,810
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,395
−HK$593/mo
Today · 4.125%
HK$22,988
baseline
▲ 0.50% · 4.625%
HK$24,200
+HK$1,212/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$45,976/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,206
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,990
−HK$797/mo
Today · 4.125%
HK$26,787
baseline
▲ 0.50% · 4.625%
HK$28,417
+HK$1,630/mo
Deposit HK$614K · loan HK$5.53M · min. income ≈ HK$53,574/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$149,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,041
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,794
−HK$762/mo
Today · 4.125%
HK$29,556
baseline
▲ 0.50% · 4.625%
HK$31,114
+HK$1,558/mo
Deposit HK$614K · loan HK$5.53M · min. income ≈ HK$59,112/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$149,113 · 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).