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$13,727
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,154
−HK$434/mo
Today · 4.125%
HK$14,588
baseline
▲ 0.50% · 4.625%
HK$15,475
+HK$887/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,176/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$136,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,271
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,681
−HK$415/mo
Today · 4.125%
HK$16,096
baseline
▲ 0.50% · 4.625%
HK$16,944
+HK$848/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,192/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$136,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,472
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,985
−HK$520/mo
Today · 4.125%
HK$17,505
baseline
▲ 0.50% · 4.625%
HK$18,570
+HK$1,065/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$35,010/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,325
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,817
−HK$498/mo
Today · 4.125%
HK$19,315
baseline
▲ 0.50% · 4.625%
HK$20,333
+HK$1,018/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,630/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,218
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,815
−HK$608/mo
Today · 4.125%
HK$20,423
baseline
▲ 0.50% · 4.625%
HK$21,665
+HK$1,242/mo
Deposit HK$1.81M · loan HK$4.21M · min. income ≈ HK$40,846/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,379
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,953
−HK$581/mo
Today · 4.125%
HK$22,534
baseline
▲ 0.50% · 4.625%
HK$23,722
+HK$1,188/mo
Deposit HK$1.81M · loan HK$4.21M · min. income ≈ HK$45,068/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,708
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,477
−HK$781/mo
Today · 4.125%
HK$26,258
baseline
▲ 0.50% · 4.625%
HK$27,855
+HK$1,597/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$52,516/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$136,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,488
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,225
−HK$748/mo
Today · 4.125%
HK$28,973
baseline
▲ 0.50% · 4.625%
HK$30,500
+HK$1,527/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$57,946/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$136,987 · 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).