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$13,738
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,165
−HK$434/mo
Today · 4.125%
HK$14,599
baseline
▲ 0.50% · 4.625%
HK$15,488
+HK$889/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$137,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,283
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,693
−HK$416/mo
Today · 4.125%
HK$16,109
baseline
▲ 0.50% · 4.625%
HK$16,958
+HK$849/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,218/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,485
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$16,998
−HK$521/mo
Today · 4.125%
HK$17,519
baseline
▲ 0.50% · 4.625%
HK$18,585
+HK$1,066/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$35,038/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,340
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,832
−HK$499/mo
Today · 4.125%
HK$19,331
baseline
▲ 0.50% · 4.625%
HK$20,350
+HK$1,019/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,662/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,233
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,831
−HK$608/mo
Today · 4.125%
HK$20,439
baseline
▲ 0.50% · 4.625%
HK$21,683
+HK$1,244/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,878/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$137,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,396
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,970
−HK$582/mo
Today · 4.125%
HK$22,552
baseline
▲ 0.50% · 4.625%
HK$23,741
+HK$1,189/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,104/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$137,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,728
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,497
−HK$782/mo
Today · 4.125%
HK$26,279
baseline
▲ 0.50% · 4.625%
HK$27,878
+HK$1,599/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$52,558/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$137,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,510
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,248
−HK$748/mo
Today · 4.125%
HK$28,996
baseline
▲ 0.50% · 4.625%
HK$30,524
+HK$1,528/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$57,992/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$137,469 · 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).