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$13,742
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,169
−HK$435/mo
Today · 4.125%
HK$14,604
baseline
▲ 0.50% · 4.625%
HK$15,492
+HK$888/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,208/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,288
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,698
−HK$416/mo
Today · 4.125%
HK$16,114
baseline
▲ 0.50% · 4.625%
HK$16,963
+HK$849/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,228/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,490
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,003
−HK$521/mo
Today · 4.125%
HK$17,524
baseline
▲ 0.50% · 4.625%
HK$18,591
+HK$1,067/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$35,048/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,345
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,837
−HK$499/mo
Today · 4.125%
HK$19,336
baseline
▲ 0.50% · 4.625%
HK$20,356
+HK$1,020/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$38,672/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,239
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,837
−HK$608/mo
Today · 4.125%
HK$20,445
baseline
▲ 0.50% · 4.625%
HK$21,689
+HK$1,244/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,890/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$137,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,403
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,977
−HK$582/mo
Today · 4.125%
HK$22,559
baseline
▲ 0.50% · 4.625%
HK$23,748
+HK$1,189/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,118/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$137,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,735
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,505
−HK$781/mo
Today · 4.125%
HK$26,286
baseline
▲ 0.50% · 4.625%
HK$27,886
+HK$1,600/mo
Deposit HK$603K · loan HK$5.42M · min. income ≈ HK$52,572/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$137,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,518
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,256
−HK$748/mo
Today · 4.125%
HK$29,004
baseline
▲ 0.50% · 4.625%
HK$30,533
+HK$1,529/mo
Deposit HK$603K · loan HK$5.42M · min. income ≈ HK$58,008/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$137,643 · 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).