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$13,739
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,166
−HK$434/mo
Today · 4.125%
HK$14,600
baseline
▲ 0.50% · 4.625%
HK$15,489
+HK$889/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,200/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,284
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,694
−HK$416/mo
Today · 4.125%
HK$16,110
baseline
▲ 0.50% · 4.625%
HK$16,959
+HK$849/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,220/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,487
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,999
−HK$521/mo
Today · 4.125%
HK$17,520
baseline
▲ 0.50% · 4.625%
HK$18,586
+HK$1,066/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$35,040/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,341
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,833
−HK$499/mo
Today · 4.125%
HK$19,332
baseline
▲ 0.50% · 4.625%
HK$20,351
+HK$1,019/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$38,664/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,234
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,833
−HK$607/mo
Today · 4.125%
HK$20,440
baseline
▲ 0.50% · 4.625%
HK$21,684
+HK$1,244/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,880/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$137,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,398
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,972
−HK$582/mo
Today · 4.125%
HK$22,554
baseline
▲ 0.50% · 4.625%
HK$23,743
+HK$1,189/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,108/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$137,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,730
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,499
−HK$782/mo
Today · 4.125%
HK$26,281
baseline
▲ 0.50% · 4.625%
HK$27,880
+HK$1,599/mo
Deposit HK$603K · loan HK$5.42M · min. income ≈ HK$52,562/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$137,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,512
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,250
−HK$748/mo
Today · 4.125%
HK$28,998
baseline
▲ 0.50% · 4.625%
HK$30,527
+HK$1,529/mo
Deposit HK$603K · loan HK$5.42M · min. income ≈ HK$57,996/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$137,512 · 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).