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$13,720
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,147
−HK$434/mo
Today · 4.125%
HK$14,581
baseline
▲ 0.50% · 4.625%
HK$15,468
+HK$887/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,162/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$136,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,264
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,673
−HK$415/mo
Today · 4.125%
HK$16,088
baseline
▲ 0.50% · 4.625%
HK$16,936
+HK$848/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,176/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$136,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,464
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,976
−HK$521/mo
Today · 4.125%
HK$17,497
baseline
▲ 0.50% · 4.625%
HK$18,561
+HK$1,064/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$34,994/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,316
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,807
−HK$499/mo
Today · 4.125%
HK$19,306
baseline
▲ 0.50% · 4.625%
HK$20,323
+HK$1,017/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,612/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,208
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,806
−HK$607/mo
Today · 4.125%
HK$20,413
baseline
▲ 0.50% · 4.625%
HK$21,655
+HK$1,242/mo
Deposit HK$1.81M · loan HK$4.21M · min. income ≈ HK$40,826/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,369
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,942
−HK$581/mo
Today · 4.125%
HK$22,523
baseline
▲ 0.50% · 4.625%
HK$23,711
+HK$1,188/mo
Deposit HK$1.81M · loan HK$4.21M · min. income ≈ HK$45,046/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,696
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,464
−HK$781/mo
Today · 4.125%
HK$26,245
baseline
▲ 0.50% · 4.625%
HK$27,842
+HK$1,597/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$52,490/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$136,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,474
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,211
−HK$748/mo
Today · 4.125%
HK$28,959
baseline
▲ 0.50% · 4.625%
HK$30,485
+HK$1,526/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$57,918/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$136,693 · 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).