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$13,859
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,290
−HK$438/mo
Today · 4.125%
HK$14,728
baseline
▲ 0.50% · 4.625%
HK$15,624
+HK$896/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,456/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,418
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,831
−HK$420/mo
Today · 4.125%
HK$16,251
baseline
▲ 0.50% · 4.625%
HK$17,107
+HK$856/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,502/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,631
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,148
−HK$525/mo
Today · 4.125%
HK$17,673
baseline
▲ 0.50% · 4.625%
HK$18,749
+HK$1,076/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,346/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,501
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$18,998
−HK$503/mo
Today · 4.125%
HK$19,501
baseline
▲ 0.50% · 4.625%
HK$20,529
+HK$1,028/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$39,002/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,402
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,006
−HK$613/mo
Today · 4.125%
HK$20,619
baseline
▲ 0.50% · 4.625%
HK$21,874
+HK$1,255/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,238/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$142,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,585
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,164
−HK$587/mo
Today · 4.125%
HK$22,751
baseline
▲ 0.50% · 4.625%
HK$23,950
+HK$1,199/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,502/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$142,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,946
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,722
−HK$788/mo
Today · 4.125%
HK$26,510
baseline
▲ 0.50% · 4.625%
HK$28,123
+HK$1,613/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$53,020/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$142,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,752
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,496
−HK$755/mo
Today · 4.125%
HK$29,251
baseline
▲ 0.50% · 4.625%
HK$30,793
+HK$1,542/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$58,502/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$142,774 · 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).