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$13,903
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,335
−HK$440/mo
Today · 4.125%
HK$14,775
baseline
▲ 0.50% · 4.625%
HK$15,674
+HK$899/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,550/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,467
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,881
−HK$421/mo
Today · 4.125%
HK$16,302
baseline
▲ 0.50% · 4.625%
HK$17,162
+HK$860/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,604/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,683
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,202
−HK$527/mo
Today · 4.125%
HK$17,729
baseline
▲ 0.50% · 4.625%
HK$18,808
+HK$1,079/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,458/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,560
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,058
−HK$505/mo
Today · 4.125%
HK$19,563
baseline
▲ 0.50% · 4.625%
HK$20,594
+HK$1,031/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,126/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,464
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,069
−HK$615/mo
Today · 4.125%
HK$20,684
baseline
▲ 0.50% · 4.625%
HK$21,943
+HK$1,259/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,368/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,653
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,234
−HK$589/mo
Today · 4.125%
HK$22,823
baseline
▲ 0.50% · 4.625%
HK$24,026
+HK$1,203/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,646/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,025
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,803
−HK$791/mo
Today · 4.125%
HK$26,594
baseline
▲ 0.50% · 4.625%
HK$28,212
+HK$1,618/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$53,188/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$144,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,840
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,587
−HK$757/mo
Today · 4.125%
HK$29,344
baseline
▲ 0.50% · 4.625%
HK$30,891
+HK$1,547/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$58,688/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$144,701 · 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).