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$879/mo
▼ 0.25% · 3.875%
HK$14,448
−HK$443/mo
Today · 4.125%
HK$14,891
baseline
▲ 0.50% · 4.625%
HK$15,797
+HK$906/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,782/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,588
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,006
−HK$425/mo
Today · 4.125%
HK$16,431
baseline
▲ 0.50% · 4.625%
HK$17,297
+HK$866/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,862/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,815
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,338
−HK$531/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$149,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,706
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,208
−HK$509/mo
Today · 4.125%
HK$19,717
baseline
▲ 0.50% · 4.625%
HK$20,756
+HK$1,039/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,434/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,617
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,227
−HK$620/mo
Today · 4.125%
HK$20,847
baseline
▲ 0.50% · 4.625%
HK$22,116
+HK$1,269/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$149,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,824
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,409
−HK$594/mo
Today · 4.125%
HK$23,003
baseline
▲ 0.50% · 4.625%
HK$24,215
+HK$1,212/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$46,006/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,222
−HK$1,581/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$149,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,059
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,812
−HK$763/mo
Today · 4.125%
HK$29,575
baseline
▲ 0.50% · 4.625%
HK$31,134
+HK$1,559/mo
Deposit HK$614K · loan HK$5.53M · min. income ≈ HK$59,150/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$149,498 · 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).