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$13,863
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,295
−HK$438/mo
Today · 4.125%
HK$14,733
baseline
▲ 0.50% · 4.625%
HK$15,629
+HK$896/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,466/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,423
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,836
−HK$420/mo
Today · 4.125%
HK$16,256
baseline
▲ 0.50% · 4.625%
HK$17,113
+HK$857/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,512/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,636
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,153
−HK$526/mo
Today · 4.125%
HK$17,679
baseline
▲ 0.50% · 4.625%
HK$18,755
+HK$1,076/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,358/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,507
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,004
−HK$503/mo
Today · 4.125%
HK$19,507
baseline
▲ 0.50% · 4.625%
HK$20,535
+HK$1,028/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$39,014/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,409
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,012
−HK$614/mo
Today · 4.125%
HK$20,626
baseline
▲ 0.50% · 4.625%
HK$21,881
+HK$1,255/mo
Deposit HK$1.82M · loan HK$4.26M · min. income ≈ HK$41,252/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$142,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,592
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,171
−HK$587/mo
Today · 4.125%
HK$22,758
baseline
▲ 0.50% · 4.625%
HK$23,958
+HK$1,200/mo
Deposit HK$1.82M · loan HK$4.26M · min. income ≈ HK$45,516/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$142,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,954
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,730
−HK$789/mo
Today · 4.125%
HK$26,519
baseline
▲ 0.50% · 4.625%
HK$28,132
+HK$1,613/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$53,038/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$142,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,761
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,506
−HK$755/mo
Today · 4.125%
HK$29,261
baseline
▲ 0.50% · 4.625%
HK$30,803
+HK$1,542/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$58,522/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$142,971 · 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).