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$13,743
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,171
−HK$434/mo
Today · 4.125%
HK$14,605
baseline
▲ 0.50% · 4.625%
HK$15,494
+HK$889/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,210/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,289
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,699
−HK$416/mo
Today · 4.125%
HK$16,115
baseline
▲ 0.50% · 4.625%
HK$16,965
+HK$850/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,230/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,492
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,005
−HK$521/mo
Today · 4.125%
HK$17,526
baseline
▲ 0.50% · 4.625%
HK$18,593
+HK$1,067/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$35,052/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,347
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,839
−HK$499/mo
Today · 4.125%
HK$19,338
baseline
▲ 0.50% · 4.625%
HK$20,358
+HK$1,020/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$38,676/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,241
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,839
−HK$608/mo
Today · 4.125%
HK$20,447
baseline
▲ 0.50% · 4.625%
HK$21,691
+HK$1,244/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,894/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$137,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,405
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,979
−HK$583/mo
Today · 4.125%
HK$22,562
baseline
▲ 0.50% · 4.625%
HK$23,751
+HK$1,189/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,124/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$137,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,738
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,508
−HK$781/mo
Today · 4.125%
HK$26,289
baseline
▲ 0.50% · 4.625%
HK$27,889
+HK$1,600/mo
Deposit HK$603K · loan HK$5.42M · min. income ≈ HK$52,578/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$137,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,521
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,259
−HK$749/mo
Today · 4.125%
HK$29,008
baseline
▲ 0.50% · 4.625%
HK$30,537
+HK$1,529/mo
Deposit HK$603K · loan HK$5.42M · min. income ≈ HK$58,016/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$137,711 · 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).