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$14,002
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,438
−HK$442/mo
Today · 4.125%
HK$14,880
baseline
▲ 0.50% · 4.625%
HK$15,786
+HK$906/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,760/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,577
−HK$842/mo
▼ 0.25% · 3.875%
HK$15,995
−HK$424/mo
Today · 4.125%
HK$16,419
baseline
▲ 0.50% · 4.625%
HK$17,284
+HK$865/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,838/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,803
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,325
−HK$531/mo
Today · 4.125%
HK$17,856
baseline
▲ 0.50% · 4.625%
HK$18,943
+HK$1,087/mo
Deposit HK$2.46M · loan HK$3.68M · min. income ≈ HK$35,712/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,693
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,194
−HK$509/mo
Today · 4.125%
HK$19,703
baseline
▲ 0.50% · 4.625%
HK$20,741
+HK$1,038/mo
Deposit HK$2.46M · loan HK$3.68M · min. income ≈ HK$39,406/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,603
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,213
−HK$619/mo
Today · 4.125%
HK$20,832
baseline
▲ 0.50% · 4.625%
HK$22,100
+HK$1,268/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$41,664/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,808
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,393
−HK$594/mo
Today · 4.125%
HK$22,987
baseline
▲ 0.50% · 4.625%
HK$24,198
+HK$1,211/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$45,974/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,204
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,988
−HK$797/mo
Today · 4.125%
HK$26,785
baseline
▲ 0.50% · 4.625%
HK$28,414
+HK$1,629/mo
Deposit HK$614K · loan HK$5.53M · min. income ≈ HK$53,570/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$149,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,039
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,791
−HK$763/mo
Today · 4.125%
HK$29,554
baseline
▲ 0.50% · 4.625%
HK$31,112
+HK$1,558/mo
Deposit HK$614K · loan HK$5.53M · min. income ≈ HK$59,108/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$149,067 · 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).