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$14,170
−HK$435/mo
Today · 4.125%
HK$14,605
baseline
▲ 0.50% · 4.625%
HK$15,493
+HK$888/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$137,686 · 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$16,964
+HK$849/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$137,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,491
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,004
−HK$521/mo
Today · 4.125%
HK$17,525
baseline
▲ 0.50% · 4.625%
HK$18,592
+HK$1,067/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$35,050/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,346
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,838
−HK$500/mo
Today · 4.125%
HK$19,338
baseline
▲ 0.50% · 4.625%
HK$20,357
+HK$1,019/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$137,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,240
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,838
−HK$608/mo
Today · 4.125%
HK$20,446
baseline
▲ 0.50% · 4.625%
HK$21,691
+HK$1,245/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,892/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$137,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,404
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,978
−HK$583/mo
Today · 4.125%
HK$22,561
baseline
▲ 0.50% · 4.625%
HK$23,750
+HK$1,189/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,122/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$137,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,737
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,506
−HK$782/mo
Today · 4.125%
HK$26,288
baseline
▲ 0.50% · 4.625%
HK$27,888
+HK$1,600/mo
Deposit HK$603K · loan HK$5.42M · min. income ≈ HK$52,576/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$137,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,520
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,258
−HK$748/mo
Today · 4.125%
HK$29,006
baseline
▲ 0.50% · 4.625%
HK$30,535
+HK$1,529/mo
Deposit HK$603K · loan HK$5.42M · min. income ≈ HK$58,012/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$137,686 · 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).