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$14,003
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,438
−HK$443/mo
Today · 4.125%
HK$14,881
baseline
▲ 0.50% · 4.625%
HK$15,786
+HK$905/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,762/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,578
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,996
−HK$423/mo
Today · 4.125%
HK$16,419
baseline
▲ 0.50% · 4.625%
HK$17,285
+HK$866/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$149,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,803
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,326
−HK$531/mo
Today · 4.125%
HK$17,857
baseline
▲ 0.50% · 4.625%
HK$18,943
+HK$1,086/mo
Deposit HK$2.46M · loan HK$3.68M · min. income ≈ HK$35,714/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,693
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,195
−HK$508/mo
Today · 4.125%
HK$19,703
baseline
▲ 0.50% · 4.625%
HK$20,742
+HK$1,039/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$149,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,604
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,213
−HK$620/mo
Today · 4.125%
HK$20,833
baseline
▲ 0.50% · 4.625%
HK$22,101
+HK$1,268/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$41,666/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,809
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,394
−HK$593/mo
Today · 4.125%
HK$22,987
baseline
▲ 0.50% · 4.625%
HK$24,199
+HK$1,212/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$149,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,205
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,989
−HK$796/mo
Today · 4.125%
HK$26,785
baseline
▲ 0.50% · 4.625%
HK$28,415
+HK$1,630/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$149,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,040
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,792
−HK$763/mo
Today · 4.125%
HK$29,555
baseline
▲ 0.50% · 4.625%
HK$31,113
+HK$1,558/mo
Deposit HK$614K · loan HK$5.53M · min. income ≈ HK$59,110/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$149,083 · 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).