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$14,020
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,456
−HK$443/mo
Today · 4.125%
HK$14,899
baseline
▲ 0.50% · 4.625%
HK$15,806
+HK$907/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,798/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,597
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,015
−HK$425/mo
Today · 4.125%
HK$16,440
baseline
▲ 0.50% · 4.625%
HK$17,306
+HK$866/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,880/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,824
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,347
−HK$532/mo
Today · 4.125%
HK$17,879
baseline
▲ 0.50% · 4.625%
HK$18,967
+HK$1,088/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,758/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,716
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,218
−HK$509/mo
Today · 4.125%
HK$19,727
baseline
▲ 0.50% · 4.625%
HK$20,767
+HK$1,040/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,454/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,628
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,238
−HK$621/mo
Today · 4.125%
HK$20,859
baseline
▲ 0.50% · 4.625%
HK$22,128
+HK$1,269/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$41,718/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,836
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,421
−HK$594/mo
Today · 4.125%
HK$23,015
baseline
▲ 0.50% · 4.625%
HK$24,229
+HK$1,214/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$46,030/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,236
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,021
−HK$797/mo
Today · 4.125%
HK$26,818
baseline
▲ 0.50% · 4.625%
HK$28,450
+HK$1,632/mo
Deposit HK$615K · loan HK$5.53M · min. income ≈ HK$53,636/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$149,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,074
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,827
−HK$764/mo
Today · 4.125%
HK$29,591
baseline
▲ 0.50% · 4.625%
HK$31,151
+HK$1,560/mo
Deposit HK$615K · loan HK$5.53M · min. income ≈ HK$59,182/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$149,836 · 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).