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$13,828
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,258
−HK$437/mo
Today · 4.125%
HK$14,695
baseline
▲ 0.50% · 4.625%
HK$15,589
+HK$894/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,390/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,383
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,796
−HK$418/mo
Today · 4.125%
HK$16,214
baseline
▲ 0.50% · 4.625%
HK$17,069
+HK$855/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,428/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,593
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,109
−HK$525/mo
Today · 4.125%
HK$17,634
baseline
▲ 0.50% · 4.625%
HK$18,707
+HK$1,073/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,268/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,460
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,955
−HK$502/mo
Today · 4.125%
HK$19,457
baseline
▲ 0.50% · 4.625%
HK$20,483
+HK$1,026/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,914/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,359
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,961
−HK$612/mo
Today · 4.125%
HK$20,573
baseline
▲ 0.50% · 4.625%
HK$21,825
+HK$1,252/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,146/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,537
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,114
−HK$586/mo
Today · 4.125%
HK$22,700
baseline
▲ 0.50% · 4.625%
HK$23,897
+HK$1,197/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,400/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,890
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,664
−HK$787/mo
Today · 4.125%
HK$26,451
baseline
▲ 0.50% · 4.625%
HK$28,060
+HK$1,609/mo
Deposit HK$606K · loan HK$5.46M · min. income ≈ HK$52,902/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$141,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,690
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,432
−HK$754/mo
Today · 4.125%
HK$29,186
baseline
▲ 0.50% · 4.625%
HK$30,724
+HK$1,538/mo
Deposit HK$606K · loan HK$5.46M · min. income ≈ HK$58,372/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$141,414 · 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).