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$14,014
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,450
−HK$443/mo
Today · 4.125%
HK$14,893
baseline
▲ 0.50% · 4.625%
HK$15,799
+HK$906/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,786/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,590
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,008
−HK$425/mo
Today · 4.125%
HK$16,433
baseline
▲ 0.50% · 4.625%
HK$17,299
+HK$866/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,866/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,817
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,340
−HK$531/mo
Today · 4.125%
HK$17,871
baseline
▲ 0.50% · 4.625%
HK$18,959
+HK$1,088/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,742/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,708
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,210
−HK$509/mo
Today · 4.125%
HK$19,719
baseline
▲ 0.50% · 4.625%
HK$20,758
+HK$1,039/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,438/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,619
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,230
−HK$620/mo
Today · 4.125%
HK$20,850
baseline
▲ 0.50% · 4.625%
HK$22,118
+HK$1,268/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$41,700/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,826
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,412
−HK$594/mo
Today · 4.125%
HK$23,006
baseline
▲ 0.50% · 4.625%
HK$24,218
+HK$1,212/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$46,012/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,225
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,010
−HK$797/mo
Today · 4.125%
HK$26,807
baseline
▲ 0.50% · 4.625%
HK$28,438
+HK$1,631/mo
Deposit HK$615K · loan HK$5.53M · min. income ≈ HK$53,614/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$149,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,062
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,815
−HK$764/mo
Today · 4.125%
HK$29,579
baseline
▲ 0.50% · 4.625%
HK$31,138
+HK$1,559/mo
Deposit HK$615K · loan HK$5.53M · min. income ≈ HK$59,158/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$149,574 · 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).