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$13,705
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,131
−HK$433/mo
Today · 4.125%
HK$14,564
baseline
▲ 0.50% · 4.625%
HK$15,450
+HK$886/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,128/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,246
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,655
−HK$415/mo
Today · 4.125%
HK$16,070
baseline
▲ 0.50% · 4.625%
HK$16,917
+HK$847/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,140/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,446
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,957
−HK$520/mo
Today · 4.125%
HK$17,477
baseline
▲ 0.50% · 4.625%
HK$18,540
+HK$1,063/mo
Deposit HK$2.40M · loan HK$3.61M · min. income ≈ HK$34,954/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,296
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,786
−HK$498/mo
Today · 4.125%
HK$19,284
baseline
▲ 0.50% · 4.625%
HK$20,301
+HK$1,017/mo
Deposit HK$2.40M · loan HK$3.61M · min. income ≈ HK$38,568/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,187
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,784
−HK$606/mo
Today · 4.125%
HK$20,390
baseline
▲ 0.50% · 4.625%
HK$21,631
+HK$1,241/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$40,780/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,345
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,918
−HK$580/mo
Today · 4.125%
HK$22,498
baseline
▲ 0.50% · 4.625%
HK$23,684
+HK$1,186/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$44,996/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,669
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,436
−HK$780/mo
Today · 4.125%
HK$26,216
baseline
▲ 0.50% · 4.625%
HK$27,811
+HK$1,595/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$52,432/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$136,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,444
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,180
−HK$746/mo
Today · 4.125%
HK$28,926
baseline
▲ 0.50% · 4.625%
HK$30,451
+HK$1,525/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$57,852/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$136,021 · 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).