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$13,728
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,155
−HK$434/mo
Today · 4.125%
HK$14,589
baseline
▲ 0.50% · 4.625%
HK$15,477
+HK$888/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,178/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,273
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,682
−HK$416/mo
Today · 4.125%
HK$16,098
baseline
▲ 0.50% · 4.625%
HK$16,946
+HK$848/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,196/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,474
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,986
−HK$521/mo
Today · 4.125%
HK$17,507
baseline
▲ 0.50% · 4.625%
HK$18,572
+HK$1,065/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$35,014/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,327
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,819
−HK$498/mo
Today · 4.125%
HK$19,317
baseline
▲ 0.50% · 4.625%
HK$20,336
+HK$1,019/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,634/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,220
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,817
−HK$608/mo
Today · 4.125%
HK$20,425
baseline
▲ 0.50% · 4.625%
HK$21,668
+HK$1,243/mo
Deposit HK$1.81M · loan HK$4.21M · min. income ≈ HK$40,850/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$137,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,382
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,955
−HK$582/mo
Today · 4.125%
HK$22,537
baseline
▲ 0.50% · 4.625%
HK$23,725
+HK$1,188/mo
Deposit HK$1.81M · loan HK$4.21M · min. income ≈ HK$45,074/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$137,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,711
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,480
−HK$781/mo
Today · 4.125%
HK$26,261
baseline
▲ 0.50% · 4.625%
HK$27,858
+HK$1,597/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$52,522/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$137,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,491
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,228
−HK$748/mo
Today · 4.125%
HK$28,976
baseline
▲ 0.50% · 4.625%
HK$30,503
+HK$1,527/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$57,952/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$137,052 · 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).