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$13,706
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,132
−HK$433/mo
Today · 4.125%
HK$14,565
baseline
▲ 0.50% · 4.625%
HK$15,451
+HK$886/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,130/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,247
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,656
−HK$415/mo
Today · 4.125%
HK$16,071
baseline
▲ 0.50% · 4.625%
HK$16,918
+HK$847/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,142/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,447
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,958
−HK$520/mo
Today · 4.125%
HK$17,478
baseline
▲ 0.50% · 4.625%
HK$18,542
+HK$1,064/mo
Deposit HK$2.40M · loan HK$3.61M · min. income ≈ HK$34,956/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,297
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,788
−HK$498/mo
Today · 4.125%
HK$19,286
baseline
▲ 0.50% · 4.625%
HK$20,302
+HK$1,016/mo
Deposit HK$2.40M · loan HK$3.61M · min. income ≈ HK$38,572/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,188
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,785
−HK$606/mo
Today · 4.125%
HK$20,391
baseline
▲ 0.50% · 4.625%
HK$21,632
+HK$1,241/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$40,782/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,346
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,919
−HK$581/mo
Today · 4.125%
HK$22,500
baseline
▲ 0.50% · 4.625%
HK$23,686
+HK$1,186/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$45,000/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,670
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,438
−HK$779/mo
Today · 4.125%
HK$26,217
baseline
▲ 0.50% · 4.625%
HK$27,813
+HK$1,596/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$52,434/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$136,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,445
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,182
−HK$746/mo
Today · 4.125%
HK$28,928
baseline
▲ 0.50% · 4.625%
HK$30,453
+HK$1,525/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$57,856/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$136,062 · 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).