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$13,731
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,158
−HK$434/mo
Today · 4.125%
HK$14,592
baseline
▲ 0.50% · 4.625%
HK$15,480
+HK$888/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,184/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,275
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,685
−HK$416/mo
Today · 4.125%
HK$16,101
baseline
▲ 0.50% · 4.625%
HK$16,949
+HK$848/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,202/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,477
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,989
−HK$521/mo
Today · 4.125%
HK$17,510
baseline
▲ 0.50% · 4.625%
HK$18,576
+HK$1,066/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$35,020/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,330
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,822
−HK$499/mo
Today · 4.125%
HK$19,321
baseline
▲ 0.50% · 4.625%
HK$20,339
+HK$1,018/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,642/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,223
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,821
−HK$607/mo
Today · 4.125%
HK$20,428
baseline
▲ 0.50% · 4.625%
HK$21,672
+HK$1,244/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,856/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$137,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,385
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,959
−HK$582/mo
Today · 4.125%
HK$22,541
baseline
▲ 0.50% · 4.625%
HK$23,729
+HK$1,188/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,082/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$137,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,715
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,484
−HK$781/mo
Today · 4.125%
HK$26,265
baseline
▲ 0.50% · 4.625%
HK$27,863
+HK$1,598/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$52,530/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$137,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,496
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,233
−HK$748/mo
Today · 4.125%
HK$28,981
baseline
▲ 0.50% · 4.625%
HK$30,509
+HK$1,528/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$57,962/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$137,158 · 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).