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$13,899
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,332
−HK$439/mo
Today · 4.125%
HK$14,771
baseline
▲ 0.50% · 4.625%
HK$15,670
+HK$899/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,542/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,463
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,878
−HK$420/mo
Today · 4.125%
HK$16,298
baseline
▲ 0.50% · 4.625%
HK$17,157
+HK$859/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,596/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,679
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,198
−HK$527/mo
Today · 4.125%
HK$17,725
baseline
▲ 0.50% · 4.625%
HK$18,804
+HK$1,079/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,450/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,555
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,053
−HK$505/mo
Today · 4.125%
HK$19,558
baseline
▲ 0.50% · 4.625%
HK$20,589
+HK$1,031/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,116/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,459
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,064
−HK$615/mo
Today · 4.125%
HK$20,679
baseline
▲ 0.50% · 4.625%
HK$21,938
+HK$1,259/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,358/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,648
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,229
−HK$589/mo
Today · 4.125%
HK$22,818
baseline
▲ 0.50% · 4.625%
HK$24,020
+HK$1,202/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,636/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,019
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,797
−HK$791/mo
Today · 4.125%
HK$26,588
baseline
▲ 0.50% · 4.625%
HK$28,205
+HK$1,617/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$53,176/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$144,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,833
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,580
−HK$757/mo
Today · 4.125%
HK$29,337
baseline
▲ 0.50% · 4.625%
HK$30,883
+HK$1,546/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$58,674/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$144,549 · 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).