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$13,717
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,144
−HK$434/mo
Today · 4.125%
HK$14,578
baseline
▲ 0.50% · 4.625%
HK$15,465
+HK$887/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,156/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,260
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,670
−HK$415/mo
Today · 4.125%
HK$16,085
baseline
▲ 0.50% · 4.625%
HK$16,933
+HK$848/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,170/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,461
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,973
−HK$520/mo
Today · 4.125%
HK$17,493
baseline
▲ 0.50% · 4.625%
HK$18,557
+HK$1,064/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$34,986/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,312
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,804
−HK$498/mo
Today · 4.125%
HK$19,302
baseline
▲ 0.50% · 4.625%
HK$20,319
+HK$1,017/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,604/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,204
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,802
−HK$607/mo
Today · 4.125%
HK$20,409
baseline
▲ 0.50% · 4.625%
HK$21,650
+HK$1,241/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$40,818/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,365
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,938
−HK$581/mo
Today · 4.125%
HK$22,519
baseline
▲ 0.50% · 4.625%
HK$23,706
+HK$1,187/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$45,038/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,691
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,459
−HK$781/mo
Today · 4.125%
HK$26,240
baseline
▲ 0.50% · 4.625%
HK$27,836
+HK$1,596/mo
Deposit HK$602K · loan HK$5.41M · min. income ≈ HK$52,480/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$136,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,469
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,205
−HK$748/mo
Today · 4.125%
HK$28,953
baseline
▲ 0.50% · 4.625%
HK$30,479
+HK$1,526/mo
Deposit HK$602K · loan HK$5.41M · min. income ≈ HK$57,906/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$136,570 · 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).