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$13,730
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,157
−HK$434/mo
Today · 4.125%
HK$14,591
baseline
▲ 0.50% · 4.625%
HK$15,478
+HK$887/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,182/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,274
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,684
−HK$415/mo
Today · 4.125%
HK$16,099
baseline
▲ 0.50% · 4.625%
HK$16,948
+HK$849/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,198/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,476
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,988
−HK$521/mo
Today · 4.125%
HK$17,509
baseline
▲ 0.50% · 4.625%
HK$18,574
+HK$1,065/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$35,018/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,329
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,820
−HK$499/mo
Today · 4.125%
HK$19,319
baseline
▲ 0.50% · 4.625%
HK$20,337
+HK$1,018/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,638/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,221
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,819
−HK$608/mo
Today · 4.125%
HK$20,427
baseline
▲ 0.50% · 4.625%
HK$21,670
+HK$1,243/mo
Deposit HK$1.81M · loan HK$4.21M · min. income ≈ HK$40,854/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$137,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,384
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,957
−HK$582/mo
Today · 4.125%
HK$22,539
baseline
▲ 0.50% · 4.625%
HK$23,727
+HK$1,188/mo
Deposit HK$1.81M · loan HK$4.21M · min. income ≈ HK$45,078/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$137,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,713
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,482
−HK$781/mo
Today · 4.125%
HK$26,263
baseline
▲ 0.50% · 4.625%
HK$27,861
+HK$1,598/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$52,526/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$137,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,493
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,231
−HK$748/mo
Today · 4.125%
HK$28,979
baseline
▲ 0.50% · 4.625%
HK$30,506
+HK$1,527/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$57,958/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$137,108 · 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).