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$13,720
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,146
−HK$434/mo
Today · 4.125%
HK$14,580
baseline
▲ 0.50% · 4.625%
HK$15,467
+HK$887/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,160/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$136,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,263
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,672
−HK$415/mo
Today · 4.125%
HK$16,087
baseline
▲ 0.50% · 4.625%
HK$16,935
+HK$848/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,174/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$136,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,463
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,976
−HK$520/mo
Today · 4.125%
HK$17,496
baseline
▲ 0.50% · 4.625%
HK$18,560
+HK$1,064/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$34,992/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,315
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,807
−HK$498/mo
Today · 4.125%
HK$19,305
baseline
▲ 0.50% · 4.625%
HK$20,323
+HK$1,018/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,610/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,207
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,805
−HK$607/mo
Today · 4.125%
HK$20,412
baseline
▲ 0.50% · 4.625%
HK$21,654
+HK$1,242/mo
Deposit HK$1.81M · loan HK$4.21M · min. income ≈ HK$40,824/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,368
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,941
−HK$581/mo
Today · 4.125%
HK$22,522
baseline
▲ 0.50% · 4.625%
HK$23,710
+HK$1,188/mo
Deposit HK$1.81M · loan HK$4.21M · min. income ≈ HK$45,044/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,695
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,463
−HK$781/mo
Today · 4.125%
HK$26,244
baseline
▲ 0.50% · 4.625%
HK$27,841
+HK$1,597/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$52,488/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$136,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,473
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,210
−HK$747/mo
Today · 4.125%
HK$28,957
baseline
▲ 0.50% · 4.625%
HK$30,484
+HK$1,527/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$57,914/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$136,668 · 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).