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$13,745
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,172
−HK$435/mo
Today · 4.125%
HK$14,607
baseline
▲ 0.50% · 4.625%
HK$15,496
+HK$889/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,214/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,291
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,701
−HK$416/mo
Today · 4.125%
HK$16,117
baseline
▲ 0.50% · 4.625%
HK$16,967
+HK$850/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,234/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,494
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,007
−HK$521/mo
Today · 4.125%
HK$17,528
baseline
▲ 0.50% · 4.625%
HK$18,595
+HK$1,067/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$35,056/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,349
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,841
−HK$500/mo
Today · 4.125%
HK$19,341
baseline
▲ 0.50% · 4.625%
HK$20,360
+HK$1,019/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$38,682/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,243
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,841
−HK$609/mo
Today · 4.125%
HK$20,450
baseline
▲ 0.50% · 4.625%
HK$21,694
+HK$1,244/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,900/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$137,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,407
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,982
−HK$582/mo
Today · 4.125%
HK$22,564
baseline
▲ 0.50% · 4.625%
HK$23,753
+HK$1,189/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,128/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$137,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,741
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,510
−HK$782/mo
Today · 4.125%
HK$26,292
baseline
▲ 0.50% · 4.625%
HK$27,892
+HK$1,600/mo
Deposit HK$603K · loan HK$5.42M · min. income ≈ HK$52,584/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$137,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,524
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,262
−HK$749/mo
Today · 4.125%
HK$29,011
baseline
▲ 0.50% · 4.625%
HK$30,540
+HK$1,529/mo
Deposit HK$603K · loan HK$5.42M · min. income ≈ HK$58,022/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$137,778 · 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).