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$14,019
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,455
−HK$443/mo
Today · 4.125%
HK$14,898
baseline
▲ 0.50% · 4.625%
HK$15,804
+HK$906/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,796/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,596
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,014
−HK$424/mo
Today · 4.125%
HK$16,438
baseline
▲ 0.50% · 4.625%
HK$17,305
+HK$867/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,876/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,823
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,346
−HK$532/mo
Today · 4.125%
HK$17,878
baseline
▲ 0.50% · 4.625%
HK$18,965
+HK$1,087/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,756/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,715
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,217
−HK$509/mo
Today · 4.125%
HK$19,726
baseline
▲ 0.50% · 4.625%
HK$20,766
+HK$1,040/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,452/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,626
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,237
−HK$620/mo
Today · 4.125%
HK$20,857
baseline
▲ 0.50% · 4.625%
HK$22,126
+HK$1,269/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$41,714/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,834
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,420
−HK$594/mo
Today · 4.125%
HK$23,014
baseline
▲ 0.50% · 4.625%
HK$24,227
+HK$1,213/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$46,028/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,234
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,019
−HK$797/mo
Today · 4.125%
HK$26,816
baseline
▲ 0.50% · 4.625%
HK$28,448
+HK$1,632/mo
Deposit HK$615K · loan HK$5.53M · min. income ≈ HK$53,632/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$149,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,072
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,825
−HK$764/mo
Today · 4.125%
HK$29,589
baseline
▲ 0.50% · 4.625%
HK$31,149
+HK$1,560/mo
Deposit HK$615K · loan HK$5.53M · min. income ≈ HK$59,178/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$149,793 · 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).