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$13,713
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,140
−HK$433/mo
Today · 4.125%
HK$14,573
baseline
▲ 0.50% · 4.625%
HK$15,460
+HK$887/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,146/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,256
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,665
−HK$415/mo
Today · 4.125%
HK$16,080
baseline
▲ 0.50% · 4.625%
HK$16,928
+HK$848/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,160/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,456
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,968
−HK$520/mo
Today · 4.125%
HK$17,488
baseline
▲ 0.50% · 4.625%
HK$18,552
+HK$1,064/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$34,976/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,307
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,798
−HK$498/mo
Today · 4.125%
HK$19,296
baseline
▲ 0.50% · 4.625%
HK$20,313
+HK$1,017/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,592/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,198
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,796
−HK$606/mo
Today · 4.125%
HK$20,402
baseline
▲ 0.50% · 4.625%
HK$21,644
+HK$1,242/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$40,804/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,358
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,931
−HK$581/mo
Today · 4.125%
HK$22,512
baseline
▲ 0.50% · 4.625%
HK$23,699
+HK$1,187/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$45,024/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,684
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,452
−HK$780/mo
Today · 4.125%
HK$26,232
baseline
▲ 0.50% · 4.625%
HK$27,828
+HK$1,596/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$52,464/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$136,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,460
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,197
−HK$747/mo
Today · 4.125%
HK$28,944
baseline
▲ 0.50% · 4.625%
HK$30,470
+HK$1,526/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$57,888/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$136,388 · 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).