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$13,874
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,306
−HK$438/mo
Today · 4.125%
HK$14,744
baseline
▲ 0.50% · 4.625%
HK$15,641
+HK$897/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,488/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,435
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,849
−HK$420/mo
Today · 4.125%
HK$16,269
baseline
▲ 0.50% · 4.625%
HK$17,126
+HK$857/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,538/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,649
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,167
−HK$526/mo
Today · 4.125%
HK$17,693
baseline
▲ 0.50% · 4.625%
HK$18,770
+HK$1,077/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,386/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,522
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,019
−HK$504/mo
Today · 4.125%
HK$19,523
baseline
▲ 0.50% · 4.625%
HK$20,552
+HK$1,029/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$39,046/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,424
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,028
−HK$614/mo
Today · 4.125%
HK$20,642
baseline
▲ 0.50% · 4.625%
HK$21,898
+HK$1,256/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$41,284/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,609
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,188
−HK$588/mo
Today · 4.125%
HK$22,776
baseline
▲ 0.50% · 4.625%
HK$23,977
+HK$1,201/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$45,552/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,973
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,750
−HK$790/mo
Today · 4.125%
HK$26,540
baseline
▲ 0.50% · 4.625%
HK$28,154
+HK$1,614/mo
Deposit HK$608K · loan HK$5.48M · min. income ≈ HK$53,080/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$143,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,783
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,528
−HK$756/mo
Today · 4.125%
HK$29,284
baseline
▲ 0.50% · 4.625%
HK$30,827
+HK$1,543/mo
Deposit HK$608K · loan HK$5.48M · min. income ≈ HK$58,568/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$143,448 · 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).