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$13,731
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,159
−HK$434/mo
Today · 4.125%
HK$14,593
baseline
▲ 0.50% · 4.625%
HK$15,480
+HK$887/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,186/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,276
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,686
−HK$415/mo
Today · 4.125%
HK$16,101
baseline
▲ 0.50% · 4.625%
HK$16,950
+HK$849/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,202/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,478
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,990
−HK$521/mo
Today · 4.125%
HK$17,511
baseline
▲ 0.50% · 4.625%
HK$18,577
+HK$1,066/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$35,022/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,331
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,823
−HK$499/mo
Today · 4.125%
HK$19,322
baseline
▲ 0.50% · 4.625%
HK$20,340
+HK$1,018/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,644/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,224
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,822
−HK$608/mo
Today · 4.125%
HK$20,430
baseline
▲ 0.50% · 4.625%
HK$21,673
+HK$1,243/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,860/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$137,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,386
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,960
−HK$582/mo
Today · 4.125%
HK$22,542
baseline
▲ 0.50% · 4.625%
HK$23,730
+HK$1,188/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,084/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$137,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,717
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,485
−HK$782/mo
Today · 4.125%
HK$26,267
baseline
▲ 0.50% · 4.625%
HK$27,865
+HK$1,598/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$52,534/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$137,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,497
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,234
−HK$748/mo
Today · 4.125%
HK$28,982
baseline
▲ 0.50% · 4.625%
HK$30,510
+HK$1,528/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$57,964/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$137,188 · 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).