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$13,736
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,163
−HK$434/mo
Today · 4.125%
HK$14,597
baseline
▲ 0.50% · 4.625%
HK$15,485
+HK$888/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,194/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,281
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,691
−HK$415/mo
Today · 4.125%
HK$16,106
baseline
▲ 0.50% · 4.625%
HK$16,955
+HK$849/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,212/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,483
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,995
−HK$521/mo
Today · 4.125%
HK$17,516
baseline
▲ 0.50% · 4.625%
HK$18,582
+HK$1,066/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$35,032/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,337
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,829
−HK$499/mo
Today · 4.125%
HK$19,328
baseline
▲ 0.50% · 4.625%
HK$20,346
+HK$1,018/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,656/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,230
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,828
−HK$608/mo
Today · 4.125%
HK$20,436
baseline
▲ 0.50% · 4.625%
HK$21,679
+HK$1,243/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,872/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$137,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,393
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,967
−HK$582/mo
Today · 4.125%
HK$22,549
baseline
▲ 0.50% · 4.625%
HK$23,737
+HK$1,188/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,098/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$137,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,724
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,493
−HK$782/mo
Today · 4.125%
HK$26,275
baseline
▲ 0.50% · 4.625%
HK$27,873
+HK$1,598/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$52,550/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$137,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,505
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,243
−HK$748/mo
Today · 4.125%
HK$28,991
baseline
▲ 0.50% · 4.625%
HK$30,520
+HK$1,529/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$57,982/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$137,373 · 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).