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$13,735
−HK$861/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$137,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,280
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,690
−HK$416/mo
Today · 4.125%
HK$16,106
baseline
▲ 0.50% · 4.625%
HK$16,954
+HK$848/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,212/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,482
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$16,995
−HK$521/mo
Today · 4.125%
HK$17,516
baseline
▲ 0.50% · 4.625%
HK$18,581
+HK$1,065/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$35,032/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,336
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,828
−HK$499/mo
Today · 4.125%
HK$19,327
baseline
▲ 0.50% · 4.625%
HK$20,345
+HK$1,018/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,654/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,229
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,827
−HK$608/mo
Today · 4.125%
HK$20,435
baseline
▲ 0.50% · 4.625%
HK$21,678
+HK$1,243/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,870/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$137,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,392
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,966
−HK$582/mo
Today · 4.125%
HK$22,548
baseline
▲ 0.50% · 4.625%
HK$23,736
+HK$1,188/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,096/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$137,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,723
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,492
−HK$781/mo
Today · 4.125%
HK$26,273
baseline
▲ 0.50% · 4.625%
HK$27,872
+HK$1,599/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$52,546/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$137,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,504
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,242
−HK$748/mo
Today · 4.125%
HK$28,990
baseline
▲ 0.50% · 4.625%
HK$30,518
+HK$1,528/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$57,980/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$137,344 · 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).