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$13,749
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,176
−HK$435/mo
Today · 4.125%
HK$14,611
baseline
▲ 0.50% · 4.625%
HK$15,500
+HK$889/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,222/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,295
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,705
−HK$417/mo
Today · 4.125%
HK$16,122
baseline
▲ 0.50% · 4.625%
HK$16,971
+HK$849/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,244/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,498
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,011
−HK$522/mo
Today · 4.125%
HK$17,533
baseline
▲ 0.50% · 4.625%
HK$18,600
+HK$1,067/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$35,066/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,354
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,846
−HK$500/mo
Today · 4.125%
HK$19,346
baseline
▲ 0.50% · 4.625%
HK$20,366
+HK$1,020/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$38,692/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,248
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,847
−HK$608/mo
Today · 4.125%
HK$20,455
baseline
▲ 0.50% · 4.625%
HK$21,700
+HK$1,245/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,910/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$137,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,413
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,988
−HK$582/mo
Today · 4.125%
HK$22,570
baseline
▲ 0.50% · 4.625%
HK$23,760
+HK$1,190/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,140/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$137,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,747
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,517
−HK$782/mo
Today · 4.125%
HK$26,299
baseline
▲ 0.50% · 4.625%
HK$27,900
+HK$1,601/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$52,598/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$137,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,531
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,270
−HK$749/mo
Today · 4.125%
HK$29,019
baseline
▲ 0.50% · 4.625%
HK$30,548
+HK$1,529/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$58,038/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$137,940 · 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).