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$13,716
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,143
−HK$433/mo
Today · 4.125%
HK$14,576
baseline
▲ 0.50% · 4.625%
HK$15,463
+HK$887/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,152/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,259
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,668
−HK$415/mo
Today · 4.125%
HK$16,083
baseline
▲ 0.50% · 4.625%
HK$16,931
+HK$848/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,166/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,459
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,971
−HK$520/mo
Today · 4.125%
HK$17,491
baseline
▲ 0.50% · 4.625%
HK$18,556
+HK$1,065/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$34,982/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,311
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,802
−HK$498/mo
Today · 4.125%
HK$19,300
baseline
▲ 0.50% · 4.625%
HK$20,317
+HK$1,017/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,600/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,202
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,800
−HK$607/mo
Today · 4.125%
HK$20,407
baseline
▲ 0.50% · 4.625%
HK$21,648
+HK$1,241/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$40,814/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,363
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,935
−HK$582/mo
Today · 4.125%
HK$22,517
baseline
▲ 0.50% · 4.625%
HK$23,704
+HK$1,187/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$45,034/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,689
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,457
−HK$780/mo
Today · 4.125%
HK$26,237
baseline
▲ 0.50% · 4.625%
HK$27,834
+HK$1,597/mo
Deposit HK$602K · loan HK$5.41M · min. income ≈ HK$52,474/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$136,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,466
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,203
−HK$747/mo
Today · 4.125%
HK$28,950
baseline
▲ 0.50% · 4.625%
HK$30,476
+HK$1,526/mo
Deposit HK$602K · loan HK$5.41M · min. income ≈ HK$57,900/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$136,514 · 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).