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$13,709
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,136
−HK$433/mo
Today · 4.125%
HK$14,569
baseline
▲ 0.50% · 4.625%
HK$15,455
+HK$886/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,138/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,251
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,660
−HK$415/mo
Today · 4.125%
HK$16,075
baseline
▲ 0.50% · 4.625%
HK$16,923
+HK$848/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,150/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,451
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,963
−HK$520/mo
Today · 4.125%
HK$17,483
baseline
▲ 0.50% · 4.625%
HK$18,546
+HK$1,063/mo
Deposit HK$2.40M · loan HK$3.61M · min. income ≈ HK$34,966/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,302
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,792
−HK$498/mo
Today · 4.125%
HK$19,290
baseline
▲ 0.50% · 4.625%
HK$20,307
+HK$1,017/mo
Deposit HK$2.40M · loan HK$3.61M · min. income ≈ HK$38,580/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,193
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,790
−HK$606/mo
Today · 4.125%
HK$20,396
baseline
▲ 0.50% · 4.625%
HK$21,638
+HK$1,242/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$40,792/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,352
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,925
−HK$580/mo
Today · 4.125%
HK$22,505
baseline
▲ 0.50% · 4.625%
HK$23,692
+HK$1,187/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$45,010/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,677
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,444
−HK$780/mo
Today · 4.125%
HK$26,224
baseline
▲ 0.50% · 4.625%
HK$27,820
+HK$1,596/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$52,448/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$136,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,452
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,189
−HK$747/mo
Today · 4.125%
HK$28,936
baseline
▲ 0.50% · 4.625%
HK$30,461
+HK$1,525/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$57,872/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$136,213 · 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).