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$13,725
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,152
−HK$434/mo
Today · 4.125%
HK$14,586
baseline
▲ 0.50% · 4.625%
HK$15,473
+HK$887/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,172/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$136,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,269
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,679
−HK$415/mo
Today · 4.125%
HK$16,094
baseline
▲ 0.50% · 4.625%
HK$16,942
+HK$848/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,188/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$136,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,470
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,982
−HK$521/mo
Today · 4.125%
HK$17,503
baseline
▲ 0.50% · 4.625%
HK$18,568
+HK$1,065/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$35,006/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,323
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,814
−HK$499/mo
Today · 4.125%
HK$19,313
baseline
▲ 0.50% · 4.625%
HK$20,331
+HK$1,018/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,626/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,215
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,813
−HK$607/mo
Today · 4.125%
HK$20,420
baseline
▲ 0.50% · 4.625%
HK$21,663
+HK$1,243/mo
Deposit HK$1.81M · loan HK$4.21M · min. income ≈ HK$40,840/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,377
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,950
−HK$582/mo
Today · 4.125%
HK$22,532
baseline
▲ 0.50% · 4.625%
HK$23,719
+HK$1,187/mo
Deposit HK$1.81M · loan HK$4.21M · min. income ≈ HK$45,064/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,705
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,474
−HK$781/mo
Today · 4.125%
HK$26,255
baseline
▲ 0.50% · 4.625%
HK$27,852
+HK$1,597/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$52,510/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$136,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,484
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,221
−HK$748/mo
Today · 4.125%
HK$28,969
baseline
▲ 0.50% · 4.625%
HK$30,496
+HK$1,527/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$57,938/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$136,913 · 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).