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$14,008
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,444
−HK$442/mo
Today · 4.125%
HK$14,886
baseline
▲ 0.50% · 4.625%
HK$15,792
+HK$906/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,772/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,584
−HK$841/mo
▼ 0.25% · 3.875%
HK$16,001
−HK$424/mo
Today · 4.125%
HK$16,425
baseline
▲ 0.50% · 4.625%
HK$17,291
+HK$866/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,850/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,809
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,332
−HK$531/mo
Today · 4.125%
HK$17,863
baseline
▲ 0.50% · 4.625%
HK$18,950
+HK$1,087/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,726/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,700
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,202
−HK$509/mo
Today · 4.125%
HK$19,711
baseline
▲ 0.50% · 4.625%
HK$20,750
+HK$1,039/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,422/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,611
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,221
−HK$620/mo
Today · 4.125%
HK$20,841
baseline
▲ 0.50% · 4.625%
HK$22,109
+HK$1,268/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$41,682/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,817
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,402
−HK$594/mo
Today · 4.125%
HK$22,996
baseline
▲ 0.50% · 4.625%
HK$24,208
+HK$1,212/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$45,992/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,214
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,998
−HK$797/mo
Today · 4.125%
HK$26,795
baseline
▲ 0.50% · 4.625%
HK$28,426
+HK$1,631/mo
Deposit HK$614K · loan HK$5.53M · min. income ≈ HK$53,590/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$149,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,050
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,803
−HK$763/mo
Today · 4.125%
HK$29,566
baseline
▲ 0.50% · 4.625%
HK$31,124
+HK$1,558/mo
Deposit HK$614K · loan HK$5.53M · min. income ≈ HK$59,132/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$149,309 · 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).