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$14,004
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,439
−HK$443/mo
Today · 4.125%
HK$14,882
baseline
▲ 0.50% · 4.625%
HK$15,787
+HK$905/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,764/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,579
−HK$842/mo
▼ 0.25% · 3.875%
HK$15,997
−HK$424/mo
Today · 4.125%
HK$16,421
baseline
▲ 0.50% · 4.625%
HK$17,286
+HK$865/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,842/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,804
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,327
−HK$531/mo
Today · 4.125%
HK$17,858
baseline
▲ 0.50% · 4.625%
HK$18,945
+HK$1,087/mo
Deposit HK$2.46M · loan HK$3.68M · min. income ≈ HK$35,716/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,695
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,196
−HK$509/mo
Today · 4.125%
HK$19,705
baseline
▲ 0.50% · 4.625%
HK$20,743
+HK$1,038/mo
Deposit HK$2.46M · loan HK$3.68M · min. income ≈ HK$39,410/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,605
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,215
−HK$619/mo
Today · 4.125%
HK$20,834
baseline
▲ 0.50% · 4.625%
HK$22,102
+HK$1,268/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$41,668/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,810
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,395
−HK$594/mo
Today · 4.125%
HK$22,989
baseline
▲ 0.50% · 4.625%
HK$24,200
+HK$1,211/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$45,978/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,206
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,991
−HK$796/mo
Today · 4.125%
HK$26,787
baseline
▲ 0.50% · 4.625%
HK$28,417
+HK$1,630/mo
Deposit HK$614K · loan HK$5.53M · min. income ≈ HK$53,574/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$149,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,042
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,794
−HK$763/mo
Today · 4.125%
HK$29,557
baseline
▲ 0.50% · 4.625%
HK$31,115
+HK$1,558/mo
Deposit HK$614K · loan HK$5.53M · min. income ≈ HK$59,114/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$149,123 · 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).