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$13,724
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,151
−HK$434/mo
Today · 4.125%
HK$14,585
baseline
▲ 0.50% · 4.625%
HK$15,473
+HK$888/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,170/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$136,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,268
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,678
−HK$415/mo
Today · 4.125%
HK$16,093
baseline
▲ 0.50% · 4.625%
HK$16,941
+HK$848/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,186/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$136,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,469
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,982
−HK$520/mo
Today · 4.125%
HK$17,502
baseline
▲ 0.50% · 4.625%
HK$18,567
+HK$1,065/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$35,004/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,322
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,813
−HK$499/mo
Today · 4.125%
HK$19,312
baseline
▲ 0.50% · 4.625%
HK$20,330
+HK$1,018/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,624/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,214
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,812
−HK$607/mo
Today · 4.125%
HK$20,419
baseline
▲ 0.50% · 4.625%
HK$21,662
+HK$1,243/mo
Deposit HK$1.81M · loan HK$4.21M · min. income ≈ HK$40,838/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,376
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,949
−HK$581/mo
Today · 4.125%
HK$22,530
baseline
▲ 0.50% · 4.625%
HK$23,718
+HK$1,188/mo
Deposit HK$1.81M · loan HK$4.21M · min. income ≈ HK$45,060/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,704
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,472
−HK$781/mo
Today · 4.125%
HK$26,253
baseline
▲ 0.50% · 4.625%
HK$27,851
+HK$1,598/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$52,506/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$136,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,483
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,220
−HK$748/mo
Today · 4.125%
HK$28,968
baseline
▲ 0.50% · 4.625%
HK$30,495
+HK$1,527/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$57,936/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$136,880 · 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).