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$13,744
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,171
−HK$435/mo
Today · 4.125%
HK$14,606
baseline
▲ 0.50% · 4.625%
HK$15,494
+HK$888/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,212/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,290
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,700
−HK$416/mo
Today · 4.125%
HK$16,116
baseline
▲ 0.50% · 4.625%
HK$16,965
+HK$849/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,232/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,493
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,006
−HK$521/mo
Today · 4.125%
HK$17,527
baseline
▲ 0.50% · 4.625%
HK$18,593
+HK$1,066/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$35,054/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,348
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,840
−HK$499/mo
Today · 4.125%
HK$19,339
baseline
▲ 0.50% · 4.625%
HK$20,359
+HK$1,020/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$38,678/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,241
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,840
−HK$608/mo
Today · 4.125%
HK$20,448
baseline
▲ 0.50% · 4.625%
HK$21,692
+HK$1,244/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,896/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$137,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,406
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,980
−HK$582/mo
Today · 4.125%
HK$22,562
baseline
▲ 0.50% · 4.625%
HK$23,752
+HK$1,190/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,124/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$137,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,739
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,508
−HK$782/mo
Today · 4.125%
HK$26,290
baseline
▲ 0.50% · 4.625%
HK$27,890
+HK$1,600/mo
Deposit HK$603K · loan HK$5.42M · min. income ≈ HK$52,580/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$137,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,522
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,260
−HK$749/mo
Today · 4.125%
HK$29,009
baseline
▲ 0.50% · 4.625%
HK$30,538
+HK$1,529/mo
Deposit HK$603K · loan HK$5.42M · min. income ≈ HK$58,018/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$137,733 · 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).