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$13,922
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,355
−HK$440/mo
Today · 4.125%
HK$14,795
baseline
▲ 0.50% · 4.625%
HK$15,695
+HK$900/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,590/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,488
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,903
−HK$422/mo
Today · 4.125%
HK$16,325
baseline
▲ 0.50% · 4.625%
HK$17,185
+HK$860/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,650/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,706
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,226
−HK$528/mo
Today · 4.125%
HK$17,754
baseline
▲ 0.50% · 4.625%
HK$18,834
+HK$1,080/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,508/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,585
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,084
−HK$506/mo
Today · 4.125%
HK$19,590
baseline
▲ 0.50% · 4.625%
HK$20,622
+HK$1,032/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,180/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,491
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,097
−HK$616/mo
Today · 4.125%
HK$20,713
baseline
▲ 0.50% · 4.625%
HK$21,973
+HK$1,260/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,426/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,683
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,265
−HK$590/mo
Today · 4.125%
HK$22,855
baseline
▲ 0.50% · 4.625%
HK$24,059
+HK$1,204/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,710/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,059
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,839
−HK$792/mo
Today · 4.125%
HK$26,631
baseline
▲ 0.50% · 4.625%
HK$28,251
+HK$1,620/mo
Deposit HK$611K · loan HK$5.49M · min. income ≈ HK$53,262/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$145,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,878
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,626
−HK$758/mo
Today · 4.125%
HK$29,384
baseline
▲ 0.50% · 4.625%
HK$30,933
+HK$1,549/mo
Deposit HK$611K · loan HK$5.49M · min. income ≈ HK$58,768/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$145,539 · 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).