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$13,980
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,415
−HK$442/mo
Today · 4.125%
HK$14,857
baseline
▲ 0.50% · 4.625%
HK$15,761
+HK$904/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,714/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$148,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,553
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,970
−HK$423/mo
Today · 4.125%
HK$16,393
baseline
▲ 0.50% · 4.625%
HK$17,258
+HK$865/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,786/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$148,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,777
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,298
−HK$531/mo
Today · 4.125%
HK$17,829
baseline
▲ 0.50% · 4.625%
HK$18,913
+HK$1,084/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,658/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,664
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,164
−HK$508/mo
Today · 4.125%
HK$19,672
baseline
▲ 0.50% · 4.625%
HK$20,709
+HK$1,037/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,344/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,573
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,181
−HK$619/mo
Today · 4.125%
HK$20,800
baseline
▲ 0.50% · 4.625%
HK$22,066
+HK$1,266/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,600/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,774
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,358
−HK$593/mo
Today · 4.125%
HK$22,951
baseline
▲ 0.50% · 4.625%
HK$24,161
+HK$1,210/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,902/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,165
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,948
−HK$795/mo
Today · 4.125%
HK$26,743
baseline
▲ 0.50% · 4.625%
HK$28,370
+HK$1,627/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$53,486/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$148,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,996
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,746
−HK$762/mo
Today · 4.125%
HK$29,508
baseline
▲ 0.50% · 4.625%
HK$31,064
+HK$1,556/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$59,016/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$148,111 · 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).