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$13,726
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,153
−HK$433/mo
Today · 4.125%
HK$14,586
baseline
▲ 0.50% · 4.625%
HK$15,474
+HK$888/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,172/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$136,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,270
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,679
−HK$416/mo
Today · 4.125%
HK$16,095
baseline
▲ 0.50% · 4.625%
HK$16,943
+HK$848/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,190/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$136,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,471
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,983
−HK$521/mo
Today · 4.125%
HK$17,504
baseline
▲ 0.50% · 4.625%
HK$18,569
+HK$1,065/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$35,008/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,323
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,815
−HK$498/mo
Today · 4.125%
HK$19,313
baseline
▲ 0.50% · 4.625%
HK$20,331
+HK$1,018/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,626/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,216
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,814
−HK$607/mo
Today · 4.125%
HK$20,421
baseline
▲ 0.50% · 4.625%
HK$21,663
+HK$1,242/mo
Deposit HK$1.81M · loan HK$4.21M · min. income ≈ HK$40,842/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,377
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,951
−HK$581/mo
Today · 4.125%
HK$22,532
baseline
▲ 0.50% · 4.625%
HK$23,720
+HK$1,188/mo
Deposit HK$1.81M · loan HK$4.21M · min. income ≈ HK$45,064/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,706
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,475
−HK$780/mo
Today · 4.125%
HK$26,255
baseline
▲ 0.50% · 4.625%
HK$27,853
+HK$1,598/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$52,510/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$136,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,485
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,222
−HK$748/mo
Today · 4.125%
HK$28,970
baseline
▲ 0.50% · 4.625%
HK$30,497
+HK$1,527/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$57,940/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$136,931 · 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).