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$13,734
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,162
−HK$434/mo
Today · 4.125%
HK$14,596
baseline
▲ 0.50% · 4.625%
HK$15,484
+HK$888/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,192/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,279
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,689
−HK$416/mo
Today · 4.125%
HK$16,105
baseline
▲ 0.50% · 4.625%
HK$16,954
+HK$849/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,210/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,481
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$16,994
−HK$521/mo
Today · 4.125%
HK$17,515
baseline
▲ 0.50% · 4.625%
HK$18,580
+HK$1,065/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$35,030/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,335
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,827
−HK$499/mo
Today · 4.125%
HK$19,326
baseline
▲ 0.50% · 4.625%
HK$20,344
+HK$1,018/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,652/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,228
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,826
−HK$608/mo
Today · 4.125%
HK$20,434
baseline
▲ 0.50% · 4.625%
HK$21,677
+HK$1,243/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,868/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$137,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,391
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,965
−HK$582/mo
Today · 4.125%
HK$22,547
baseline
▲ 0.50% · 4.625%
HK$23,735
+HK$1,188/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,094/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$137,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,722
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,491
−HK$781/mo
Today · 4.125%
HK$26,272
baseline
▲ 0.50% · 4.625%
HK$27,871
+HK$1,599/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$52,544/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$137,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,503
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,240
−HK$749/mo
Today · 4.125%
HK$28,989
baseline
▲ 0.50% · 4.625%
HK$30,517
+HK$1,528/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$57,978/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$137,314 · 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).