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$13,715
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,141
−HK$434/mo
Today · 4.125%
HK$14,575
baseline
▲ 0.50% · 4.625%
HK$15,462
+HK$887/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,150/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,257
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,667
−HK$415/mo
Today · 4.125%
HK$16,082
baseline
▲ 0.50% · 4.625%
HK$16,930
+HK$848/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,164/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,458
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,970
−HK$520/mo
Today · 4.125%
HK$17,490
baseline
▲ 0.50% · 4.625%
HK$18,554
+HK$1,064/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$34,980/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,309
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,800
−HK$498/mo
Today · 4.125%
HK$19,298
baseline
▲ 0.50% · 4.625%
HK$20,315
+HK$1,017/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,596/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,201
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,798
−HK$607/mo
Today · 4.125%
HK$20,405
baseline
▲ 0.50% · 4.625%
HK$21,646
+HK$1,241/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$40,810/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,360
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,933
−HK$582/mo
Today · 4.125%
HK$22,515
baseline
▲ 0.50% · 4.625%
HK$23,701
+HK$1,186/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$45,030/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,687
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,454
−HK$781/mo
Today · 4.125%
HK$26,235
baseline
▲ 0.50% · 4.625%
HK$27,831
+HK$1,596/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$52,470/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$136,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,463
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,200
−HK$747/mo
Today · 4.125%
HK$28,947
baseline
▲ 0.50% · 4.625%
HK$30,473
+HK$1,526/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$57,894/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$136,456 · 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).