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$14,007
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,442
−HK$443/mo
Today · 4.125%
HK$14,885
baseline
▲ 0.50% · 4.625%
HK$15,791
+HK$906/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,770/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,582
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,000
−HK$424/mo
Today · 4.125%
HK$16,424
baseline
▲ 0.50% · 4.625%
HK$17,290
+HK$866/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,848/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,808
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,331
−HK$531/mo
Today · 4.125%
HK$17,862
baseline
▲ 0.50% · 4.625%
HK$18,949
+HK$1,087/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,724/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,699
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,200
−HK$509/mo
Today · 4.125%
HK$19,709
baseline
▲ 0.50% · 4.625%
HK$20,748
+HK$1,039/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,418/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,609
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,219
−HK$620/mo
Today · 4.125%
HK$20,839
baseline
▲ 0.50% · 4.625%
HK$22,107
+HK$1,268/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$41,678/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,815
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,400
−HK$594/mo
Today · 4.125%
HK$22,994
baseline
▲ 0.50% · 4.625%
HK$24,206
+HK$1,212/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$45,988/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,212
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,996
−HK$797/mo
Today · 4.125%
HK$26,793
baseline
▲ 0.50% · 4.625%
HK$28,423
+HK$1,630/mo
Deposit HK$614K · loan HK$5.53M · min. income ≈ HK$53,586/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$149,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,048
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,800
−HK$763/mo
Today · 4.125%
HK$29,563
baseline
▲ 0.50% · 4.625%
HK$31,122
+HK$1,559/mo
Deposit HK$614K · loan HK$5.53M · min. income ≈ HK$59,126/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$149,260 · 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).