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$136,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,265
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,674
−HK$416/mo
Today · 4.125%
HK$16,090
baseline
▲ 0.50% · 4.625%
HK$16,938
+HK$848/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,180/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$136,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,466
−HK$1,032/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$136,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,318
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,809
−HK$499/mo
Today · 4.125%
HK$19,308
baseline
▲ 0.50% · 4.625%
HK$20,325
+HK$1,017/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,616/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,210
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,807
−HK$608/mo
Today · 4.125%
HK$20,415
baseline
▲ 0.50% · 4.625%
HK$21,657
+HK$1,242/mo
Deposit HK$1.81M · loan HK$4.21M · min. income ≈ HK$40,830/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,747 · 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$136,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,698
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,467
−HK$780/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$136,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,477
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,214
−HK$747/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$136,747 · 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).