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$13,717
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,144
−HK$433/mo
Today · 4.125%
HK$14,577
baseline
▲ 0.50% · 4.625%
HK$15,464
+HK$887/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,154/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,260
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,669
−HK$416/mo
Today · 4.125%
HK$16,085
baseline
▲ 0.50% · 4.625%
HK$16,933
+HK$848/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,170/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,461
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,973
−HK$520/mo
Today · 4.125%
HK$17,493
baseline
▲ 0.50% · 4.625%
HK$18,557
+HK$1,064/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$34,986/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,312
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,803
−HK$499/mo
Today · 4.125%
HK$19,302
baseline
▲ 0.50% · 4.625%
HK$20,319
+HK$1,017/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,604/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,204
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,801
−HK$607/mo
Today · 4.125%
HK$20,408
baseline
▲ 0.50% · 4.625%
HK$21,650
+HK$1,242/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$40,816/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,364
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,937
−HK$582/mo
Today · 4.125%
HK$22,519
baseline
▲ 0.50% · 4.625%
HK$23,706
+HK$1,187/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$45,038/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,691
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,459
−HK$780/mo
Today · 4.125%
HK$26,239
baseline
▲ 0.50% · 4.625%
HK$27,836
+HK$1,597/mo
Deposit HK$602K · loan HK$5.41M · min. income ≈ HK$52,478/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$136,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,468
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,205
−HK$747/mo
Today · 4.125%
HK$28,952
baseline
▲ 0.50% · 4.625%
HK$30,479
+HK$1,527/mo
Deposit HK$602K · loan HK$5.41M · min. income ≈ HK$57,904/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$136,563 · 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).