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$13,748
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,175
−HK$435/mo
Today · 4.125%
HK$14,610
baseline
▲ 0.50% · 4.625%
HK$15,499
+HK$889/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,220/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,294
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,705
−HK$416/mo
Today · 4.125%
HK$16,121
baseline
▲ 0.50% · 4.625%
HK$16,970
+HK$849/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,242/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,497
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,011
−HK$521/mo
Today · 4.125%
HK$17,532
baseline
▲ 0.50% · 4.625%
HK$18,599
+HK$1,067/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$35,064/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,353
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,845
−HK$500/mo
Today · 4.125%
HK$19,345
baseline
▲ 0.50% · 4.625%
HK$20,364
+HK$1,019/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$38,690/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,247
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,846
−HK$608/mo
Today · 4.125%
HK$20,454
baseline
▲ 0.50% · 4.625%
HK$21,698
+HK$1,244/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,908/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$137,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,412
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,986
−HK$583/mo
Today · 4.125%
HK$22,569
baseline
▲ 0.50% · 4.625%
HK$23,759
+HK$1,190/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,138/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$137,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,746
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,516
−HK$782/mo
Today · 4.125%
HK$26,298
baseline
▲ 0.50% · 4.625%
HK$27,898
+HK$1,600/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$52,596/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$137,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,530
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,268
−HK$749/mo
Today · 4.125%
HK$29,017
baseline
▲ 0.50% · 4.625%
HK$30,547
+HK$1,530/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$58,034/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$137,907 · 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).