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$13,879
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,311
−HK$438/mo
Today · 4.125%
HK$14,749
baseline
▲ 0.50% · 4.625%
HK$15,647
+HK$898/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,498/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,440
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,854
−HK$420/mo
Today · 4.125%
HK$16,274
baseline
▲ 0.50% · 4.625%
HK$17,132
+HK$858/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,548/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,655
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,173
−HK$526/mo
Today · 4.125%
HK$17,699
baseline
▲ 0.50% · 4.625%
HK$18,776
+HK$1,077/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,398/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,528
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,025
−HK$504/mo
Today · 4.125%
HK$19,529
baseline
▲ 0.50% · 4.625%
HK$20,559
+HK$1,030/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$39,058/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,431
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,035
−HK$614/mo
Today · 4.125%
HK$20,649
baseline
▲ 0.50% · 4.625%
HK$21,906
+HK$1,257/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$41,298/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,616
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,196
−HK$588/mo
Today · 4.125%
HK$22,784
baseline
▲ 0.50% · 4.625%
HK$23,985
+HK$1,201/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$45,568/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,982
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,759
−HK$790/mo
Today · 4.125%
HK$26,549
baseline
▲ 0.50% · 4.625%
HK$28,164
+HK$1,615/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$53,098/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$143,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,792
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,538
−HK$756/mo
Today · 4.125%
HK$29,294
baseline
▲ 0.50% · 4.625%
HK$30,838
+HK$1,544/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$58,588/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$143,661 · 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).