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$13,737
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,164
−HK$435/mo
Today · 4.125%
HK$14,599
baseline
▲ 0.50% · 4.625%
HK$15,487
+HK$888/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,198/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,282
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,692
−HK$416/mo
Today · 4.125%
HK$16,108
baseline
▲ 0.50% · 4.625%
HK$16,957
+HK$849/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,216/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,485
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,997
−HK$521/mo
Today · 4.125%
HK$17,518
baseline
▲ 0.50% · 4.625%
HK$18,584
+HK$1,066/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$35,036/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,339
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,831
−HK$499/mo
Today · 4.125%
HK$19,330
baseline
▲ 0.50% · 4.625%
HK$20,349
+HK$1,019/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,660/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,232
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,830
−HK$608/mo
Today · 4.125%
HK$20,438
baseline
▲ 0.50% · 4.625%
HK$21,682
+HK$1,244/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,876/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$137,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,395
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,969
−HK$582/mo
Today · 4.125%
HK$22,551
baseline
▲ 0.50% · 4.625%
HK$23,740
+HK$1,189/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,102/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$137,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,727
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,496
−HK$782/mo
Today · 4.125%
HK$26,278
baseline
▲ 0.50% · 4.625%
HK$27,876
+HK$1,598/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$52,556/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$137,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,508
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,246
−HK$749/mo
Today · 4.125%
HK$28,995
baseline
▲ 0.50% · 4.625%
HK$30,523
+HK$1,528/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$57,990/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$137,440 · 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).