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$13,747
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,174
−HK$435/mo
Today · 4.125%
HK$14,609
baseline
▲ 0.50% · 4.625%
HK$15,498
+HK$889/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,218/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,293
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,703
−HK$416/mo
Today · 4.125%
HK$16,119
baseline
▲ 0.50% · 4.625%
HK$16,969
+HK$850/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,238/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,496
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,009
−HK$522/mo
Today · 4.125%
HK$17,531
baseline
▲ 0.50% · 4.625%
HK$18,597
+HK$1,066/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$35,062/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,352
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,844
−HK$499/mo
Today · 4.125%
HK$19,343
baseline
▲ 0.50% · 4.625%
HK$20,363
+HK$1,020/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$38,686/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,246
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,844
−HK$608/mo
Today · 4.125%
HK$20,452
baseline
▲ 0.50% · 4.625%
HK$21,697
+HK$1,245/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,904/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$137,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,410
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,985
−HK$582/mo
Today · 4.125%
HK$22,567
baseline
▲ 0.50% · 4.625%
HK$23,757
+HK$1,190/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,134/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$137,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,744
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,514
−HK$782/mo
Today · 4.125%
HK$26,296
baseline
▲ 0.50% · 4.625%
HK$27,896
+HK$1,600/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$52,592/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$137,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,528
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,266
−HK$749/mo
Today · 4.125%
HK$29,015
baseline
▲ 0.50% · 4.625%
HK$30,544
+HK$1,529/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$58,030/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$137,862 · 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).