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$13,724
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,151
−HK$433/mo
Today · 4.125%
HK$14,584
baseline
▲ 0.50% · 4.625%
HK$15,472
+HK$888/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,168/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$136,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,268
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,677
−HK$415/mo
Today · 4.125%
HK$16,092
baseline
▲ 0.50% · 4.625%
HK$16,941
+HK$849/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,184/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$136,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,469
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,981
−HK$520/mo
Today · 4.125%
HK$17,501
baseline
▲ 0.50% · 4.625%
HK$18,566
+HK$1,065/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$35,002/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,321
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,812
−HK$499/mo
Today · 4.125%
HK$19,311
baseline
▲ 0.50% · 4.625%
HK$20,329
+HK$1,018/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,622/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,213
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,811
−HK$607/mo
Today · 4.125%
HK$20,418
baseline
▲ 0.50% · 4.625%
HK$21,660
+HK$1,242/mo
Deposit HK$1.81M · loan HK$4.21M · min. income ≈ HK$40,836/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,375
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,948
−HK$581/mo
Today · 4.125%
HK$22,529
baseline
▲ 0.50% · 4.625%
HK$23,717
+HK$1,188/mo
Deposit HK$1.81M · loan HK$4.21M · min. income ≈ HK$45,058/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,703
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,471
−HK$781/mo
Today · 4.125%
HK$26,252
baseline
▲ 0.50% · 4.625%
HK$27,849
+HK$1,597/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$52,504/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$136,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,482
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,219
−HK$747/mo
Today · 4.125%
HK$28,966
baseline
▲ 0.50% · 4.625%
HK$30,493
+HK$1,527/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$57,932/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$136,852 · 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).