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$13,753
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,181
−HK$434/mo
Today · 4.125%
HK$14,615
baseline
▲ 0.50% · 4.625%
HK$15,505
+HK$890/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,230/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$138,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,300
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,710
−HK$416/mo
Today · 4.125%
HK$16,126
baseline
▲ 0.50% · 4.625%
HK$16,977
+HK$851/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,252/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$138,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,503
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,017
−HK$521/mo
Today · 4.125%
HK$17,538
baseline
▲ 0.50% · 4.625%
HK$18,605
+HK$1,067/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$35,076/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,360
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,852
−HK$500/mo
Today · 4.125%
HK$19,352
baseline
▲ 0.50% · 4.625%
HK$20,372
+HK$1,020/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$38,704/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,254
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,853
−HK$608/mo
Today · 4.125%
HK$20,461
baseline
▲ 0.50% · 4.625%
HK$21,706
+HK$1,245/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,922/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,420
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,994
−HK$583/mo
Today · 4.125%
HK$22,577
baseline
▲ 0.50% · 4.625%
HK$23,767
+HK$1,190/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,154/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,755
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,525
−HK$782/mo
Today · 4.125%
HK$26,307
baseline
▲ 0.50% · 4.625%
HK$27,908
+HK$1,601/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$52,614/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$138,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,540
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,278
−HK$750/mo
Today · 4.125%
HK$29,028
baseline
▲ 0.50% · 4.625%
HK$30,558
+HK$1,530/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$58,056/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$138,126 · 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).