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$13,719
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,145
−HK$434/mo
Today · 4.125%
HK$14,579
baseline
▲ 0.50% · 4.625%
HK$15,466
+HK$887/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,158/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,262
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,671
−HK$415/mo
Today · 4.125%
HK$16,086
baseline
▲ 0.50% · 4.625%
HK$16,934
+HK$848/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,172/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,462
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,974
−HK$521/mo
Today · 4.125%
HK$17,495
baseline
▲ 0.50% · 4.625%
HK$18,559
+HK$1,064/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$34,990/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,314
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,805
−HK$499/mo
Today · 4.125%
HK$19,304
baseline
▲ 0.50% · 4.625%
HK$20,321
+HK$1,017/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,608/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,206
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,803
−HK$607/mo
Today · 4.125%
HK$20,410
baseline
▲ 0.50% · 4.625%
HK$21,652
+HK$1,242/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$40,820/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,366
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,939
−HK$582/mo
Today · 4.125%
HK$22,521
baseline
▲ 0.50% · 4.625%
HK$23,708
+HK$1,187/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$45,042/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,693
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,461
−HK$781/mo
Today · 4.125%
HK$26,242
baseline
▲ 0.50% · 4.625%
HK$27,839
+HK$1,597/mo
Deposit HK$602K · loan HK$5.41M · min. income ≈ HK$52,484/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$136,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,471
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,208
−HK$747/mo
Today · 4.125%
HK$28,955
baseline
▲ 0.50% · 4.625%
HK$30,482
+HK$1,527/mo
Deposit HK$602K · loan HK$5.41M · min. income ≈ HK$57,910/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$136,623 · 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).