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$13,715
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,142
−HK$434/mo
Today · 4.125%
HK$14,576
baseline
▲ 0.50% · 4.625%
HK$15,462
+HK$886/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,152/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,258
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,668
−HK$415/mo
Today · 4.125%
HK$16,083
baseline
▲ 0.50% · 4.625%
HK$16,930
+HK$847/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,166/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,459
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,970
−HK$521/mo
Today · 4.125%
HK$17,491
baseline
▲ 0.50% · 4.625%
HK$18,555
+HK$1,064/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$34,982/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,310
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,801
−HK$498/mo
Today · 4.125%
HK$19,299
baseline
▲ 0.50% · 4.625%
HK$20,316
+HK$1,017/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,598/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,202
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,799
−HK$607/mo
Today · 4.125%
HK$20,406
baseline
▲ 0.50% · 4.625%
HK$21,647
+HK$1,241/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$40,812/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,362
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,935
−HK$581/mo
Today · 4.125%
HK$22,516
baseline
▲ 0.50% · 4.625%
HK$23,703
+HK$1,187/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$45,032/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,688
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,456
−HK$780/mo
Today · 4.125%
HK$26,236
baseline
▲ 0.50% · 4.625%
HK$27,832
+HK$1,596/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$52,472/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$136,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,465
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,202
−HK$747/mo
Today · 4.125%
HK$28,949
baseline
▲ 0.50% · 4.625%
HK$30,475
+HK$1,526/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$57,898/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$136,488 · 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).