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$13,712
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,139
−HK$433/mo
Today · 4.125%
HK$14,572
baseline
▲ 0.50% · 4.625%
HK$15,459
+HK$887/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,144/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,255
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,664
−HK$415/mo
Today · 4.125%
HK$16,079
baseline
▲ 0.50% · 4.625%
HK$16,926
+HK$847/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,158/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,455
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,966
−HK$520/mo
Today · 4.125%
HK$17,486
baseline
▲ 0.50% · 4.625%
HK$18,550
+HK$1,064/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$34,972/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,306
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,797
−HK$498/mo
Today · 4.125%
HK$19,295
baseline
▲ 0.50% · 4.625%
HK$20,312
+HK$1,017/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,590/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,197
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,794
−HK$607/mo
Today · 4.125%
HK$20,401
baseline
▲ 0.50% · 4.625%
HK$21,642
+HK$1,241/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$40,802/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,357
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,929
−HK$581/mo
Today · 4.125%
HK$22,510
baseline
▲ 0.50% · 4.625%
HK$23,697
+HK$1,187/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$45,020/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,682
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,450
−HK$780/mo
Today · 4.125%
HK$26,230
baseline
▲ 0.50% · 4.625%
HK$27,826
+HK$1,596/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$52,460/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$136,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,458
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,195
−HK$747/mo
Today · 4.125%
HK$28,942
baseline
▲ 0.50% · 4.625%
HK$30,467
+HK$1,525/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$57,884/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$136,344 · 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).