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$13,707
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,133
−HK$433/mo
Today · 4.125%
HK$14,566
baseline
▲ 0.50% · 4.625%
HK$15,452
+HK$886/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,132/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,248
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,657
−HK$415/mo
Today · 4.125%
HK$16,072
baseline
▲ 0.50% · 4.625%
HK$16,920
+HK$848/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,144/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,448
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,960
−HK$519/mo
Today · 4.125%
HK$17,479
baseline
▲ 0.50% · 4.625%
HK$18,543
+HK$1,064/mo
Deposit HK$2.40M · loan HK$3.61M · min. income ≈ HK$34,958/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,298
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,789
−HK$498/mo
Today · 4.125%
HK$19,287
baseline
▲ 0.50% · 4.625%
HK$20,303
+HK$1,016/mo
Deposit HK$2.40M · loan HK$3.61M · min. income ≈ HK$38,574/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,189
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,786
−HK$607/mo
Today · 4.125%
HK$20,393
baseline
▲ 0.50% · 4.625%
HK$21,633
+HK$1,240/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$40,786/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,348
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,920
−HK$581/mo
Today · 4.125%
HK$22,501
baseline
▲ 0.50% · 4.625%
HK$23,687
+HK$1,186/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$45,002/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,672
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,439
−HK$780/mo
Today · 4.125%
HK$26,219
baseline
▲ 0.50% · 4.625%
HK$27,814
+HK$1,595/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$52,438/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$136,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,447
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,183
−HK$747/mo
Today · 4.125%
HK$28,930
baseline
▲ 0.50% · 4.625%
HK$30,455
+HK$1,525/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$57,860/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$136,101 · 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).