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$13,739
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,167
−HK$434/mo
Today · 4.125%
HK$14,601
baseline
▲ 0.50% · 4.625%
HK$15,489
+HK$888/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,202/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,285
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,695
−HK$415/mo
Today · 4.125%
HK$16,110
baseline
▲ 0.50% · 4.625%
HK$16,960
+HK$850/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,220/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,487
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,000
−HK$521/mo
Today · 4.125%
HK$17,521
baseline
▲ 0.50% · 4.625%
HK$18,587
+HK$1,066/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$35,042/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,342
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,834
−HK$499/mo
Today · 4.125%
HK$19,333
baseline
▲ 0.50% · 4.625%
HK$20,352
+HK$1,019/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$38,666/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,235
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,833
−HK$608/mo
Today · 4.125%
HK$20,441
baseline
▲ 0.50% · 4.625%
HK$21,685
+HK$1,244/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,882/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$137,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,399
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,972
−HK$583/mo
Today · 4.125%
HK$22,555
baseline
▲ 0.50% · 4.625%
HK$23,744
+HK$1,189/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,110/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$137,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,731
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,500
−HK$781/mo
Today · 4.125%
HK$26,281
baseline
▲ 0.50% · 4.625%
HK$27,881
+HK$1,600/mo
Deposit HK$603K · loan HK$5.42M · min. income ≈ HK$52,562/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$137,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,512
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,250
−HK$749/mo
Today · 4.125%
HK$28,999
baseline
▲ 0.50% · 4.625%
HK$30,527
+HK$1,528/mo
Deposit HK$603K · loan HK$5.42M · min. income ≈ HK$57,998/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$137,529 · 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).