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$13,920
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,353
−HK$440/mo
Today · 4.125%
HK$14,793
baseline
▲ 0.50% · 4.625%
HK$15,694
+HK$901/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,586/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,486
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,902
−HK$421/mo
Today · 4.125%
HK$16,323
baseline
▲ 0.50% · 4.625%
HK$17,183
+HK$860/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,646/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,705
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,224
−HK$528/mo
Today · 4.125%
HK$17,752
baseline
▲ 0.50% · 4.625%
HK$18,832
+HK$1,080/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,504/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,584
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,082
−HK$506/mo
Today · 4.125%
HK$19,588
baseline
▲ 0.50% · 4.625%
HK$20,620
+HK$1,032/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,176/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,489
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,095
−HK$616/mo
Today · 4.125%
HK$20,711
baseline
▲ 0.50% · 4.625%
HK$21,971
+HK$1,260/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,422/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,681
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,262
−HK$590/mo
Today · 4.125%
HK$22,852
baseline
▲ 0.50% · 4.625%
HK$24,057
+HK$1,205/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,704/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,057
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,836
−HK$792/mo
Today · 4.125%
HK$26,628
baseline
▲ 0.50% · 4.625%
HK$28,248
+HK$1,620/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$53,256/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$145,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,875
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,623
−HK$759/mo
Today · 4.125%
HK$29,382
baseline
▲ 0.50% · 4.625%
HK$30,930
+HK$1,548/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$58,764/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$145,479 · 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).