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$13,723
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,149
−HK$434/mo
Today · 4.125%
HK$14,583
baseline
▲ 0.50% · 4.625%
HK$15,470
+HK$887/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,166/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$136,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,266
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,676
−HK$415/mo
Today · 4.125%
HK$16,091
baseline
▲ 0.50% · 4.625%
HK$16,939
+HK$848/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,182/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$136,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,467
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,979
−HK$521/mo
Today · 4.125%
HK$17,500
baseline
▲ 0.50% · 4.625%
HK$18,564
+HK$1,064/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$35,000/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,319
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,811
−HK$498/mo
Today · 4.125%
HK$19,309
baseline
▲ 0.50% · 4.625%
HK$20,327
+HK$1,018/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,618/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,212
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,809
−HK$607/mo
Today · 4.125%
HK$20,416
baseline
▲ 0.50% · 4.625%
HK$21,659
+HK$1,243/mo
Deposit HK$1.81M · loan HK$4.21M · min. income ≈ HK$40,832/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,373
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,946
−HK$581/mo
Today · 4.125%
HK$22,527
baseline
▲ 0.50% · 4.625%
HK$23,715
+HK$1,188/mo
Deposit HK$1.81M · loan HK$4.21M · min. income ≈ HK$45,054/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,701
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,469
−HK$780/mo
Today · 4.125%
HK$26,249
baseline
▲ 0.50% · 4.625%
HK$27,847
+HK$1,598/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$52,498/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$136,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,479
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,216
−HK$748/mo
Today · 4.125%
HK$28,964
baseline
▲ 0.50% · 4.625%
HK$30,490
+HK$1,526/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$57,928/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$136,798 · 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).