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$13,865
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,296
−HK$439/mo
Today · 4.125%
HK$14,735
baseline
▲ 0.50% · 4.625%
HK$15,631
+HK$896/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,470/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$143,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,425
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,838
−HK$420/mo
Today · 4.125%
HK$16,258
baseline
▲ 0.50% · 4.625%
HK$17,115
+HK$857/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,516/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$143,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,638
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,156
−HK$525/mo
Today · 4.125%
HK$17,681
baseline
▲ 0.50% · 4.625%
HK$18,757
+HK$1,076/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,362/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,510
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,006
−HK$504/mo
Today · 4.125%
HK$19,510
baseline
▲ 0.50% · 4.625%
HK$20,538
+HK$1,028/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$39,020/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,411
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,015
−HK$613/mo
Today · 4.125%
HK$20,628
baseline
▲ 0.50% · 4.625%
HK$21,884
+HK$1,256/mo
Deposit HK$1.82M · loan HK$4.26M · min. income ≈ HK$41,256/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,595
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,174
−HK$587/mo
Today · 4.125%
HK$22,761
baseline
▲ 0.50% · 4.625%
HK$23,961
+HK$1,200/mo
Deposit HK$1.82M · loan HK$4.26M · min. income ≈ HK$45,522/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,957
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,733
−HK$789/mo
Today · 4.125%
HK$26,522
baseline
▲ 0.50% · 4.625%
HK$28,136
+HK$1,614/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$53,044/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$143,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,765
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,509
−HK$756/mo
Today · 4.125%
HK$29,265
baseline
▲ 0.50% · 4.625%
HK$30,807
+HK$1,542/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$58,530/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$143,050 · 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).