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$13,970
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,404
−HK$442/mo
Today · 4.125%
HK$14,846
baseline
▲ 0.50% · 4.625%
HK$15,749
+HK$903/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,692/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,541
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,958
−HK$423/mo
Today · 4.125%
HK$16,381
baseline
▲ 0.50% · 4.625%
HK$17,244
+HK$863/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,762/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,764
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,285
−HK$530/mo
Today · 4.125%
HK$17,815
baseline
▲ 0.50% · 4.625%
HK$18,899
+HK$1,084/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,630/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,649
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,149
−HK$508/mo
Today · 4.125%
HK$19,657
baseline
▲ 0.50% · 4.625%
HK$20,693
+HK$1,036/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,314/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,558
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,166
−HK$618/mo
Today · 4.125%
HK$20,784
baseline
▲ 0.50% · 4.625%
HK$22,049
+HK$1,265/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,568/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$147,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,758
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,341
−HK$592/mo
Today · 4.125%
HK$22,933
baseline
▲ 0.50% · 4.625%
HK$24,142
+HK$1,209/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,866/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$147,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,145
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,928
−HK$794/mo
Today · 4.125%
HK$26,722
baseline
▲ 0.50% · 4.625%
HK$28,348
+HK$1,626/mo
Deposit HK$613K · loan HK$5.51M · min. income ≈ HK$53,444/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$147,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,974
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,724
−HK$761/mo
Today · 4.125%
HK$29,485
baseline
▲ 0.50% · 4.625%
HK$31,040
+HK$1,555/mo
Deposit HK$613K · loan HK$5.51M · min. income ≈ HK$58,970/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$147,636 · 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).