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$13,733
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,160
−HK$434/mo
Today · 4.125%
HK$14,594
baseline
▲ 0.50% · 4.625%
HK$15,482
+HK$888/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,188/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,278
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,688
−HK$415/mo
Today · 4.125%
HK$16,103
baseline
▲ 0.50% · 4.625%
HK$16,952
+HK$849/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,206/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,480
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,992
−HK$521/mo
Today · 4.125%
HK$17,513
baseline
▲ 0.50% · 4.625%
HK$18,579
+HK$1,066/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$35,026/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,333
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,825
−HK$499/mo
Today · 4.125%
HK$19,324
baseline
▲ 0.50% · 4.625%
HK$20,343
+HK$1,019/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,648/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,226
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,824
−HK$608/mo
Today · 4.125%
HK$20,432
baseline
▲ 0.50% · 4.625%
HK$21,675
+HK$1,243/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,864/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$137,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,389
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,963
−HK$582/mo
Today · 4.125%
HK$22,545
baseline
▲ 0.50% · 4.625%
HK$23,733
+HK$1,188/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,090/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$137,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,720
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,488
−HK$782/mo
Today · 4.125%
HK$26,270
baseline
▲ 0.50% · 4.625%
HK$27,868
+HK$1,598/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$52,540/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$137,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,500
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,238
−HK$748/mo
Today · 4.125%
HK$28,986
baseline
▲ 0.50% · 4.625%
HK$30,514
+HK$1,528/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$57,972/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$137,260 · 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).