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$14,017
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,453
−HK$443/mo
Today · 4.125%
HK$14,896
baseline
▲ 0.50% · 4.625%
HK$15,803
+HK$907/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,792/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,594
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,012
−HK$425/mo
Today · 4.125%
HK$16,437
baseline
▲ 0.50% · 4.625%
HK$17,303
+HK$866/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,874/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,821
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,344
−HK$532/mo
Today · 4.125%
HK$17,876
baseline
▲ 0.50% · 4.625%
HK$18,963
+HK$1,087/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,752/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,713
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,215
−HK$509/mo
Today · 4.125%
HK$19,724
baseline
▲ 0.50% · 4.625%
HK$20,764
+HK$1,040/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,448/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,624
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,235
−HK$620/mo
Today · 4.125%
HK$20,855
baseline
▲ 0.50% · 4.625%
HK$22,124
+HK$1,269/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$41,710/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,832
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,417
−HK$594/mo
Today · 4.125%
HK$23,011
baseline
▲ 0.50% · 4.625%
HK$24,224
+HK$1,213/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$46,022/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,231
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,016
−HK$798/mo
Today · 4.125%
HK$26,814
baseline
▲ 0.50% · 4.625%
HK$28,445
+HK$1,631/mo
Deposit HK$615K · loan HK$5.53M · min. income ≈ HK$53,628/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$149,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,070
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,822
−HK$764/mo
Today · 4.125%
HK$29,586
baseline
▲ 0.50% · 4.625%
HK$31,146
+HK$1,560/mo
Deposit HK$615K · loan HK$5.53M · min. income ≈ HK$59,172/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$149,729 · 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).