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$13,750
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,178
−HK$434/mo
Today · 4.125%
HK$14,612
baseline
▲ 0.50% · 4.625%
HK$15,501
+HK$889/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,224/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,297
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,707
−HK$416/mo
Today · 4.125%
HK$16,123
baseline
▲ 0.50% · 4.625%
HK$16,973
+HK$850/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,246/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,500
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,013
−HK$521/mo
Today · 4.125%
HK$17,534
baseline
▲ 0.50% · 4.625%
HK$18,601
+HK$1,067/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$35,068/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,356
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,848
−HK$500/mo
Today · 4.125%
HK$19,348
baseline
▲ 0.50% · 4.625%
HK$20,367
+HK$1,019/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$38,696/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,250
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,849
−HK$608/mo
Today · 4.125%
HK$20,457
baseline
▲ 0.50% · 4.625%
HK$21,702
+HK$1,245/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,914/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$137,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,415
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,989
−HK$583/mo
Today · 4.125%
HK$22,572
baseline
▲ 0.50% · 4.625%
HK$23,762
+HK$1,190/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,144/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$137,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,750
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,520
−HK$782/mo
Today · 4.125%
HK$26,302
baseline
▲ 0.50% · 4.625%
HK$27,902
+HK$1,600/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$52,604/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$137,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,534
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,272
−HK$749/mo
Today · 4.125%
HK$29,021
baseline
▲ 0.50% · 4.625%
HK$30,551
+HK$1,530/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$58,042/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$137,994 · 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).