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$13,866
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,297
−HK$439/mo
Today · 4.125%
HK$14,736
baseline
▲ 0.50% · 4.625%
HK$15,632
+HK$896/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,472/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$143,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,426
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,840
−HK$419/mo
Today · 4.125%
HK$16,259
baseline
▲ 0.50% · 4.625%
HK$17,116
+HK$857/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,518/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$143,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,639
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,157
−HK$526/mo
Today · 4.125%
HK$17,683
baseline
▲ 0.50% · 4.625%
HK$18,759
+HK$1,076/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,366/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,511
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,008
−HK$503/mo
Today · 4.125%
HK$19,511
baseline
▲ 0.50% · 4.625%
HK$20,540
+HK$1,029/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$39,022/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,413
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,016
−HK$614/mo
Today · 4.125%
HK$20,630
baseline
▲ 0.50% · 4.625%
HK$21,885
+HK$1,255/mo
Deposit HK$1.82M · loan HK$4.26M · min. income ≈ HK$41,260/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,596
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,175
−HK$588/mo
Today · 4.125%
HK$22,763
baseline
▲ 0.50% · 4.625%
HK$23,963
+HK$1,200/mo
Deposit HK$1.82M · loan HK$4.26M · min. income ≈ HK$45,526/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,959
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,735
−HK$789/mo
Today · 4.125%
HK$26,524
baseline
▲ 0.50% · 4.625%
HK$28,138
+HK$1,614/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$53,048/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$143,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,767
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,511
−HK$756/mo
Today · 4.125%
HK$29,267
baseline
▲ 0.50% · 4.625%
HK$30,809
+HK$1,542/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$58,534/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$143,093 · 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).