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$13,902
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,334
−HK$439/mo
Today · 4.125%
HK$14,773
baseline
▲ 0.50% · 4.625%
HK$15,672
+HK$899/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,546/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,465
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,880
−HK$421/mo
Today · 4.125%
HK$16,301
baseline
▲ 0.50% · 4.625%
HK$17,160
+HK$859/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,602/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,682
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,201
−HK$527/mo
Today · 4.125%
HK$17,728
baseline
▲ 0.50% · 4.625%
HK$18,807
+HK$1,079/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,456/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,558
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,056
−HK$505/mo
Today · 4.125%
HK$19,561
baseline
▲ 0.50% · 4.625%
HK$20,592
+HK$1,031/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,122/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,462
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,068
−HK$615/mo
Today · 4.125%
HK$20,683
baseline
▲ 0.50% · 4.625%
HK$21,941
+HK$1,258/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,366/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,651
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,232
−HK$589/mo
Today · 4.125%
HK$22,821
baseline
▲ 0.50% · 4.625%
HK$24,024
+HK$1,203/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,642/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,023
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,801
−HK$791/mo
Today · 4.125%
HK$26,592
baseline
▲ 0.50% · 4.625%
HK$28,210
+HK$1,618/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$53,184/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$144,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,838
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,584
−HK$758/mo
Today · 4.125%
HK$29,342
baseline
▲ 0.50% · 4.625%
HK$30,888
+HK$1,546/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$58,684/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$144,649 · 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).