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$13,718
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,145
−HK$433/mo
Today · 4.125%
HK$14,578
baseline
▲ 0.50% · 4.625%
HK$15,465
+HK$887/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,156/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,261
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,670
−HK$415/mo
Today · 4.125%
HK$16,085
baseline
▲ 0.50% · 4.625%
HK$16,933
+HK$848/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,170/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,461
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,973
−HK$521/mo
Today · 4.125%
HK$17,494
baseline
▲ 0.50% · 4.625%
HK$18,558
+HK$1,064/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$34,988/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,313
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,804
−HK$499/mo
Today · 4.125%
HK$19,303
baseline
▲ 0.50% · 4.625%
HK$20,320
+HK$1,017/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,606/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,205
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,802
−HK$607/mo
Today · 4.125%
HK$20,409
baseline
▲ 0.50% · 4.625%
HK$21,651
+HK$1,242/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$40,818/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,365
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,938
−HK$582/mo
Today · 4.125%
HK$22,520
baseline
▲ 0.50% · 4.625%
HK$23,707
+HK$1,187/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$45,040/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,692
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,460
−HK$780/mo
Today · 4.125%
HK$26,240
baseline
▲ 0.50% · 4.625%
HK$27,837
+HK$1,597/mo
Deposit HK$602K · loan HK$5.41M · min. income ≈ HK$52,480/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$136,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,470
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,206
−HK$748/mo
Today · 4.125%
HK$28,954
baseline
▲ 0.50% · 4.625%
HK$30,480
+HK$1,526/mo
Deposit HK$602K · loan HK$5.41M · min. income ≈ HK$57,908/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$136,591 · 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).