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$860/mo
▼ 0.25% · 3.875%
HK$14,142
−HK$433/mo
Today · 4.125%
HK$14,575
baseline
▲ 0.50% · 4.625%
HK$15,462
+HK$887/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,150/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,258
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,667
−HK$415/mo
Today · 4.125%
HK$16,082
baseline
▲ 0.50% · 4.625%
HK$16,930
+HK$848/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,164/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,458
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,970
−HK$520/mo
Today · 4.125%
HK$17,490
baseline
▲ 0.50% · 4.625%
HK$18,555
+HK$1,065/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$34,980/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,475 · 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$136,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,201
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,798
−HK$607/mo
Today · 4.125%
HK$20,405
baseline
▲ 0.50% · 4.625%
HK$21,647
+HK$1,242/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$40,810/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,361
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,934
−HK$581/mo
Today · 4.125%
HK$22,515
baseline
▲ 0.50% · 4.625%
HK$23,702
+HK$1,187/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$45,030/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,687
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,455
−HK$780/mo
Today · 4.125%
HK$26,235
baseline
▲ 0.50% · 4.625%
HK$27,832
+HK$1,597/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$52,470/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$136,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,464
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,201
−HK$747/mo
Today · 4.125%
HK$28,948
baseline
▲ 0.50% · 4.625%
HK$30,474
+HK$1,526/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$57,896/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$136,475 · 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).