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$862/mo
▼ 0.25% · 3.875%
HK$14,183
−HK$434/mo
Today · 4.125%
HK$14,617
baseline
▲ 0.50% · 4.625%
HK$15,507
+HK$890/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,234/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$138,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,302
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,712
−HK$417/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$138,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,506
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,019
−HK$522/mo
Today · 4.125%
HK$17,541
baseline
▲ 0.50% · 4.625%
HK$18,608
+HK$1,067/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$138,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,362
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,855
−HK$499/mo
Today · 4.125%
HK$19,354
baseline
▲ 0.50% · 4.625%
HK$20,375
+HK$1,021/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$38,708/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,257
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,856
−HK$608/mo
Today · 4.125%
HK$20,464
baseline
▲ 0.50% · 4.625%
HK$21,709
+HK$1,245/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,928/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,423
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,997
−HK$583/mo
Today · 4.125%
HK$22,580
baseline
▲ 0.50% · 4.625%
HK$23,770
+HK$1,190/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,160/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,758
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,529
−HK$782/mo
Today · 4.125%
HK$26,311
baseline
▲ 0.50% · 4.625%
HK$27,912
+HK$1,601/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$52,622/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$138,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,544
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,282
−HK$750/mo
Today · 4.125%
HK$29,032
baseline
▲ 0.50% · 4.625%
HK$30,562
+HK$1,530/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$58,064/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$138,209 · 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).