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$14,016
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,452
−HK$443/mo
Today · 4.125%
HK$14,895
baseline
▲ 0.50% · 4.625%
HK$15,802
+HK$907/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,790/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,593
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,011
−HK$424/mo
Today · 4.125%
HK$16,435
baseline
▲ 0.50% · 4.625%
HK$17,302
+HK$867/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,870/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,820
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,343
−HK$531/mo
Today · 4.125%
HK$17,874
baseline
▲ 0.50% · 4.625%
HK$18,962
+HK$1,088/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,748/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,712
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,213
−HK$510/mo
Today · 4.125%
HK$19,723
baseline
▲ 0.50% · 4.625%
HK$20,762
+HK$1,039/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,446/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,623
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,233
−HK$620/mo
Today · 4.125%
HK$20,853
baseline
▲ 0.50% · 4.625%
HK$22,122
+HK$1,269/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$41,706/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,830
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,416
−HK$594/mo
Today · 4.125%
HK$23,010
baseline
▲ 0.50% · 4.625%
HK$24,223
+HK$1,213/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$46,020/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,229
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,014
−HK$798/mo
Today · 4.125%
HK$26,812
baseline
▲ 0.50% · 4.625%
HK$28,443
+HK$1,631/mo
Deposit HK$615K · loan HK$5.53M · min. income ≈ HK$53,624/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$149,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,067
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,820
−HK$764/mo
Today · 4.125%
HK$29,584
baseline
▲ 0.50% · 4.625%
HK$31,143
+HK$1,559/mo
Deposit HK$615K · loan HK$5.53M · min. income ≈ HK$59,168/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$149,683 · 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).