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$13,732
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,159
−HK$434/mo
Today · 4.125%
HK$14,593
baseline
▲ 0.50% · 4.625%
HK$15,481
+HK$888/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,186/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,277
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,686
−HK$416/mo
Today · 4.125%
HK$16,102
baseline
▲ 0.50% · 4.625%
HK$16,951
+HK$849/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,204/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,478
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$16,991
−HK$521/mo
Today · 4.125%
HK$17,512
baseline
▲ 0.50% · 4.625%
HK$18,577
+HK$1,065/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$35,024/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,332
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,824
−HK$498/mo
Today · 4.125%
HK$19,322
baseline
▲ 0.50% · 4.625%
HK$20,341
+HK$1,019/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,644/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,225
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,823
−HK$607/mo
Today · 4.125%
HK$20,430
baseline
▲ 0.50% · 4.625%
HK$21,673
+HK$1,243/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,860/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$137,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,387
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,961
−HK$582/mo
Today · 4.125%
HK$22,543
baseline
▲ 0.50% · 4.625%
HK$23,731
+HK$1,188/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,086/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$137,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,717
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,486
−HK$781/mo
Today · 4.125%
HK$26,267
baseline
▲ 0.50% · 4.625%
HK$27,866
+HK$1,599/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$52,534/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$137,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,498
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,235
−HK$749/mo
Today · 4.125%
HK$28,984
baseline
▲ 0.50% · 4.625%
HK$30,511
+HK$1,527/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$57,968/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$137,209 · 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).