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$13,741
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,168
−HK$435/mo
Today · 4.125%
HK$14,603
baseline
▲ 0.50% · 4.625%
HK$15,491
+HK$888/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,206/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,287
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,697
−HK$415/mo
Today · 4.125%
HK$16,112
baseline
▲ 0.50% · 4.625%
HK$16,962
+HK$850/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,224/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,489
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,002
−HK$521/mo
Today · 4.125%
HK$17,523
baseline
▲ 0.50% · 4.625%
HK$18,589
+HK$1,066/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$35,046/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,344
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,836
−HK$499/mo
Today · 4.125%
HK$19,335
baseline
▲ 0.50% · 4.625%
HK$20,354
+HK$1,019/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$38,670/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,237
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,836
−HK$608/mo
Today · 4.125%
HK$20,444
baseline
▲ 0.50% · 4.625%
HK$21,688
+HK$1,244/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,888/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$137,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,401
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,975
−HK$582/mo
Today · 4.125%
HK$22,557
baseline
▲ 0.50% · 4.625%
HK$23,747
+HK$1,190/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,114/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$137,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,734
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,503
−HK$782/mo
Today · 4.125%
HK$26,285
baseline
▲ 0.50% · 4.625%
HK$27,884
+HK$1,599/mo
Deposit HK$603K · loan HK$5.42M · min. income ≈ HK$52,570/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$137,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,516
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,254
−HK$748/mo
Today · 4.125%
HK$29,002
baseline
▲ 0.50% · 4.625%
HK$30,531
+HK$1,529/mo
Deposit HK$603K · loan HK$5.42M · min. income ≈ HK$58,004/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$137,604 · 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).