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$13,915
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,348
−HK$440/mo
Today · 4.125%
HK$14,788
baseline
▲ 0.50% · 4.625%
HK$15,688
+HK$900/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,576/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,481
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,896
−HK$421/mo
Today · 4.125%
HK$16,317
baseline
▲ 0.50% · 4.625%
HK$17,177
+HK$860/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,634/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,698
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,218
−HK$527/mo
Today · 4.125%
HK$17,745
baseline
▲ 0.50% · 4.625%
HK$18,825
+HK$1,080/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,490/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,577
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,075
−HK$505/mo
Today · 4.125%
HK$19,580
baseline
▲ 0.50% · 4.625%
HK$20,612
+HK$1,032/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,160/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,481
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,087
−HK$616/mo
Today · 4.125%
HK$20,703
baseline
▲ 0.50% · 4.625%
HK$21,963
+HK$1,260/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,406/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,673
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,254
−HK$590/mo
Today · 4.125%
HK$22,844
baseline
▲ 0.50% · 4.625%
HK$24,048
+HK$1,204/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,688/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,047
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,827
−HK$791/mo
Today · 4.125%
HK$26,618
baseline
▲ 0.50% · 4.625%
HK$28,238
+HK$1,620/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$53,236/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$145,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,865
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,612
−HK$759/mo
Today · 4.125%
HK$29,371
baseline
▲ 0.50% · 4.625%
HK$30,919
+HK$1,548/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$58,742/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$145,250 · 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).