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$13,873
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,305
−HK$438/mo
Today · 4.125%
HK$14,743
baseline
▲ 0.50% · 4.625%
HK$15,640
+HK$897/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,486/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,434
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,848
−HK$420/mo
Today · 4.125%
HK$16,268
baseline
▲ 0.50% · 4.625%
HK$17,125
+HK$857/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,536/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,648
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,166
−HK$526/mo
Today · 4.125%
HK$17,692
baseline
▲ 0.50% · 4.625%
HK$18,768
+HK$1,076/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,384/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,520
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,017
−HK$504/mo
Today · 4.125%
HK$19,521
baseline
▲ 0.50% · 4.625%
HK$20,550
+HK$1,029/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$39,042/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,422
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,026
−HK$614/mo
Today · 4.125%
HK$20,640
baseline
▲ 0.50% · 4.625%
HK$21,896
+HK$1,256/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$41,280/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,607
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,187
−HK$588/mo
Today · 4.125%
HK$22,775
baseline
▲ 0.50% · 4.625%
HK$23,975
+HK$1,200/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$45,550/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,972
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,748
−HK$790/mo
Today · 4.125%
HK$26,538
baseline
▲ 0.50% · 4.625%
HK$28,152
+HK$1,614/mo
Deposit HK$608K · loan HK$5.48M · min. income ≈ HK$53,076/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$143,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,781
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,526
−HK$756/mo
Today · 4.125%
HK$29,282
baseline
▲ 0.50% · 4.625%
HK$30,825
+HK$1,543/mo
Deposit HK$608K · loan HK$5.48M · min. income ≈ HK$58,564/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$143,401 · 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).