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$14,000
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,436
−HK$442/mo
Today · 4.125%
HK$14,878
baseline
▲ 0.50% · 4.625%
HK$15,783
+HK$905/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,756/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$148,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,575
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,993
−HK$423/mo
Today · 4.125%
HK$16,416
baseline
▲ 0.50% · 4.625%
HK$17,282
+HK$866/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,832/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$148,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,800
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,323
−HK$531/mo
Today · 4.125%
HK$17,854
baseline
▲ 0.50% · 4.625%
HK$18,940
+HK$1,086/mo
Deposit HK$2.46M · loan HK$3.68M · min. income ≈ HK$35,708/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,690
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,191
−HK$509/mo
Today · 4.125%
HK$19,700
baseline
▲ 0.50% · 4.625%
HK$20,738
+HK$1,038/mo
Deposit HK$2.46M · loan HK$3.68M · min. income ≈ HK$39,400/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,600
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,210
−HK$619/mo
Today · 4.125%
HK$20,829
baseline
▲ 0.50% · 4.625%
HK$22,097
+HK$1,268/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$41,658/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,805
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,390
−HK$593/mo
Today · 4.125%
HK$22,983
baseline
▲ 0.50% · 4.625%
HK$24,194
+HK$1,211/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$45,966/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,200
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,984
−HK$796/mo
Today · 4.125%
HK$26,780
baseline
▲ 0.50% · 4.625%
HK$28,410
+HK$1,630/mo
Deposit HK$614K · loan HK$5.53M · min. income ≈ HK$53,560/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$148,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,035
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,787
−HK$762/mo
Today · 4.125%
HK$29,549
baseline
▲ 0.50% · 4.625%
HK$31,107
+HK$1,558/mo
Deposit HK$614K · loan HK$5.53M · min. income ≈ HK$59,098/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$148,969 · 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).