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$13,746
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,173
−HK$435/mo
Today · 4.125%
HK$14,608
baseline
▲ 0.50% · 4.625%
HK$15,496
+HK$888/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,216/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,292
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,702
−HK$416/mo
Today · 4.125%
HK$16,118
baseline
▲ 0.50% · 4.625%
HK$16,968
+HK$850/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,236/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,495
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,008
−HK$521/mo
Today · 4.125%
HK$17,529
baseline
▲ 0.50% · 4.625%
HK$18,596
+HK$1,067/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$35,058/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,350
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,842
−HK$500/mo
Today · 4.125%
HK$19,342
baseline
▲ 0.50% · 4.625%
HK$20,361
+HK$1,019/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$38,684/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,244
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,843
−HK$608/mo
Today · 4.125%
HK$20,451
baseline
▲ 0.50% · 4.625%
HK$21,695
+HK$1,244/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,902/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$137,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,409
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,983
−HK$582/mo
Today · 4.125%
HK$22,565
baseline
▲ 0.50% · 4.625%
HK$23,755
+HK$1,190/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,130/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$137,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,742
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,512
−HK$782/mo
Today · 4.125%
HK$26,294
baseline
▲ 0.50% · 4.625%
HK$27,894
+HK$1,600/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$52,588/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$137,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,525
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,264
−HK$749/mo
Today · 4.125%
HK$29,013
baseline
▲ 0.50% · 4.625%
HK$30,542
+HK$1,529/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$58,026/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$137,812 · 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).