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$13,726
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,153
−HK$434/mo
Today · 4.125%
HK$14,587
baseline
▲ 0.50% · 4.625%
HK$15,474
+HK$887/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,174/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$136,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,270
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,680
−HK$415/mo
Today · 4.125%
HK$16,095
baseline
▲ 0.50% · 4.625%
HK$16,944
+HK$849/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,190/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$136,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,471
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,984
−HK$520/mo
Today · 4.125%
HK$17,504
baseline
▲ 0.50% · 4.625%
HK$18,569
+HK$1,065/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$35,008/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,324
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,816
−HK$498/mo
Today · 4.125%
HK$19,314
baseline
▲ 0.50% · 4.625%
HK$20,332
+HK$1,018/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,628/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,216
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,814
−HK$608/mo
Today · 4.125%
HK$20,422
baseline
▲ 0.50% · 4.625%
HK$21,664
+HK$1,242/mo
Deposit HK$1.81M · loan HK$4.21M · min. income ≈ HK$40,844/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,378
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,952
−HK$581/mo
Today · 4.125%
HK$22,533
baseline
▲ 0.50% · 4.625%
HK$23,721
+HK$1,188/mo
Deposit HK$1.81M · loan HK$4.21M · min. income ≈ HK$45,066/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,707
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,475
−HK$781/mo
Today · 4.125%
HK$26,256
baseline
▲ 0.50% · 4.625%
HK$27,854
+HK$1,598/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$52,512/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$136,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,486
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,223
−HK$748/mo
Today · 4.125%
HK$28,971
baseline
▲ 0.50% · 4.625%
HK$30,498
+HK$1,527/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$57,942/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$136,953 · 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).