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$13,740
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,168
−HK$434/mo
Today · 4.125%
HK$14,602
baseline
▲ 0.50% · 4.625%
HK$15,490
+HK$888/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,204/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,286
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,696
−HK$416/mo
Today · 4.125%
HK$16,112
baseline
▲ 0.50% · 4.625%
HK$16,961
+HK$849/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,224/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,488
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,001
−HK$521/mo
Today · 4.125%
HK$17,522
baseline
▲ 0.50% · 4.625%
HK$18,589
+HK$1,067/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$35,044/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,343
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,835
−HK$499/mo
Today · 4.125%
HK$19,334
baseline
▲ 0.50% · 4.625%
HK$20,353
+HK$1,019/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$38,668/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,236
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,835
−HK$608/mo
Today · 4.125%
HK$20,443
baseline
▲ 0.50% · 4.625%
HK$21,687
+HK$1,244/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,886/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$137,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,400
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,974
−HK$582/mo
Today · 4.125%
HK$22,556
baseline
▲ 0.50% · 4.625%
HK$23,745
+HK$1,189/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,112/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$137,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,733
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,502
−HK$781/mo
Today · 4.125%
HK$26,283
baseline
▲ 0.50% · 4.625%
HK$27,883
+HK$1,600/mo
Deposit HK$603K · loan HK$5.42M · min. income ≈ HK$52,566/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$137,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,515
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,253
−HK$748/mo
Today · 4.125%
HK$29,001
baseline
▲ 0.50% · 4.625%
HK$30,530
+HK$1,529/mo
Deposit HK$603K · loan HK$5.42M · min. income ≈ HK$58,002/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$137,577 · 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).