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$13,734
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,161
−HK$434/mo
Today · 4.125%
HK$14,595
baseline
▲ 0.50% · 4.625%
HK$15,483
+HK$888/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,190/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,279
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,688
−HK$416/mo
Today · 4.125%
HK$16,104
baseline
▲ 0.50% · 4.625%
HK$16,953
+HK$849/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,208/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,481
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,993
−HK$521/mo
Today · 4.125%
HK$17,514
baseline
▲ 0.50% · 4.625%
HK$18,580
+HK$1,066/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$35,028/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,334
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,826
−HK$499/mo
Today · 4.125%
HK$19,325
baseline
▲ 0.50% · 4.625%
HK$20,344
+HK$1,019/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,650/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,227
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,825
−HK$608/mo
Today · 4.125%
HK$20,433
baseline
▲ 0.50% · 4.625%
HK$21,676
+HK$1,243/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,866/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$137,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,390
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,964
−HK$582/mo
Today · 4.125%
HK$22,546
baseline
▲ 0.50% · 4.625%
HK$23,734
+HK$1,188/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,092/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$137,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,721
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,490
−HK$781/mo
Today · 4.125%
HK$26,271
baseline
▲ 0.50% · 4.625%
HK$27,870
+HK$1,599/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$52,542/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$137,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,502
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,239
−HK$749/mo
Today · 4.125%
HK$28,988
baseline
▲ 0.50% · 4.625%
HK$30,516
+HK$1,528/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$57,976/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$137,293 · 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).