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$13,729
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,156
−HK$434/mo
Today · 4.125%
HK$14,590
baseline
▲ 0.50% · 4.625%
HK$15,478
+HK$888/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,180/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,274
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,683
−HK$416/mo
Today · 4.125%
HK$16,099
baseline
▲ 0.50% · 4.625%
HK$16,947
+HK$848/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,198/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,475
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,987
−HK$521/mo
Today · 4.125%
HK$17,508
baseline
▲ 0.50% · 4.625%
HK$18,573
+HK$1,065/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$35,016/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,328
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,820
−HK$498/mo
Today · 4.125%
HK$19,318
baseline
▲ 0.50% · 4.625%
HK$20,337
+HK$1,019/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,636/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,221
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,819
−HK$607/mo
Today · 4.125%
HK$20,426
baseline
▲ 0.50% · 4.625%
HK$21,669
+HK$1,243/mo
Deposit HK$1.81M · loan HK$4.21M · min. income ≈ HK$40,852/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$137,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,383
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,956
−HK$582/mo
Today · 4.125%
HK$22,538
baseline
▲ 0.50% · 4.625%
HK$23,726
+HK$1,188/mo
Deposit HK$1.81M · loan HK$4.21M · min. income ≈ HK$45,076/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$137,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,712
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,481
−HK$781/mo
Today · 4.125%
HK$26,262
baseline
▲ 0.50% · 4.625%
HK$27,860
+HK$1,598/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$52,524/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$137,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,492
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,230
−HK$748/mo
Today · 4.125%
HK$28,978
baseline
▲ 0.50% · 4.625%
HK$30,505
+HK$1,527/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$57,956/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$137,089 · 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).