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$13,721
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,148
−HK$434/mo
Today · 4.125%
HK$14,582
baseline
▲ 0.50% · 4.625%
HK$15,469
+HK$887/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,164/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$136,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,265
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,674
−HK$415/mo
Today · 4.125%
HK$16,089
baseline
▲ 0.50% · 4.625%
HK$16,938
+HK$849/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,178/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$136,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,465
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,978
−HK$520/mo
Today · 4.125%
HK$17,498
baseline
▲ 0.50% · 4.625%
HK$18,563
+HK$1,065/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$34,996/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,318
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,809
−HK$498/mo
Today · 4.125%
HK$19,307
baseline
▲ 0.50% · 4.625%
HK$20,325
+HK$1,018/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,614/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,210
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,807
−HK$607/mo
Today · 4.125%
HK$20,414
baseline
▲ 0.50% · 4.625%
HK$21,657
+HK$1,243/mo
Deposit HK$1.81M · loan HK$4.21M · min. income ≈ HK$40,828/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,371
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,944
−HK$581/mo
Today · 4.125%
HK$22,525
baseline
▲ 0.50% · 4.625%
HK$23,713
+HK$1,188/mo
Deposit HK$1.81M · loan HK$4.21M · min. income ≈ HK$45,050/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,698
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,466
−HK$781/mo
Today · 4.125%
HK$26,247
baseline
▲ 0.50% · 4.625%
HK$27,844
+HK$1,597/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$52,494/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$136,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,477
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,213
−HK$748/mo
Today · 4.125%
HK$28,961
baseline
▲ 0.50% · 4.625%
HK$30,488
+HK$1,527/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$57,922/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$136,741 · 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).