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$13,755
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,183
−HK$435/mo
Today · 4.125%
HK$14,618
baseline
▲ 0.50% · 4.625%
HK$15,507
+HK$889/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,236/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$138,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,302
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,713
−HK$416/mo
Today · 4.125%
HK$16,129
baseline
▲ 0.50% · 4.625%
HK$16,979
+HK$850/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,258/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$138,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,506
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,020
−HK$521/mo
Today · 4.125%
HK$17,541
baseline
▲ 0.50% · 4.625%
HK$18,609
+HK$1,068/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$35,082/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,363
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,855
−HK$500/mo
Today · 4.125%
HK$19,355
baseline
▲ 0.50% · 4.625%
HK$20,375
+HK$1,020/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$38,710/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,257
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,856
−HK$609/mo
Today · 4.125%
HK$20,465
baseline
▲ 0.50% · 4.625%
HK$21,710
+HK$1,245/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,930/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,423
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$21,998
−HK$583/mo
Today · 4.125%
HK$22,581
baseline
▲ 0.50% · 4.625%
HK$23,771
+HK$1,190/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,162/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,759
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,529
−HK$783/mo
Today · 4.125%
HK$26,312
baseline
▲ 0.50% · 4.625%
HK$27,913
+HK$1,601/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$52,624/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$138,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,544
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,283
−HK$750/mo
Today · 4.125%
HK$29,033
baseline
▲ 0.50% · 4.625%
HK$30,563
+HK$1,530/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$58,066/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$138,229 · 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).