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$13,710
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,136
−HK$433/mo
Today · 4.125%
HK$14,569
baseline
▲ 0.50% · 4.625%
HK$15,456
+HK$887/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,138/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,252
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,661
−HK$415/mo
Today · 4.125%
HK$16,076
baseline
▲ 0.50% · 4.625%
HK$16,923
+HK$847/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,152/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,451
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,963
−HK$520/mo
Today · 4.125%
HK$17,483
baseline
▲ 0.50% · 4.625%
HK$18,547
+HK$1,064/mo
Deposit HK$2.40M · loan HK$3.61M · min. income ≈ HK$34,966/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,302
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,793
−HK$498/mo
Today · 4.125%
HK$19,291
baseline
▲ 0.50% · 4.625%
HK$20,308
+HK$1,017/mo
Deposit HK$2.40M · loan HK$3.61M · min. income ≈ HK$38,582/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,193
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,790
−HK$607/mo
Today · 4.125%
HK$20,397
baseline
▲ 0.50% · 4.625%
HK$21,638
+HK$1,241/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$40,794/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,352
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,925
−HK$581/mo
Today · 4.125%
HK$22,506
baseline
▲ 0.50% · 4.625%
HK$23,692
+HK$1,186/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$45,012/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,677
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,445
−HK$780/mo
Today · 4.125%
HK$26,225
baseline
▲ 0.50% · 4.625%
HK$27,820
+HK$1,595/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$52,450/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$136,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,453
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,189
−HK$747/mo
Today · 4.125%
HK$28,936
baseline
▲ 0.50% · 4.625%
HK$30,462
+HK$1,526/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$57,872/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$136,229 · 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).