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$13,751
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,178
−HK$435/mo
Today · 4.125%
HK$14,613
baseline
▲ 0.50% · 4.625%
HK$15,502
+HK$889/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,226/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$138,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,298
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,708
−HK$416/mo
Today · 4.125%
HK$16,124
baseline
▲ 0.50% · 4.625%
HK$16,974
+HK$850/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,248/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$138,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,501
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,014
−HK$522/mo
Today · 4.125%
HK$17,536
baseline
▲ 0.50% · 4.625%
HK$18,603
+HK$1,067/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$35,072/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,357
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,849
−HK$500/mo
Today · 4.125%
HK$19,349
baseline
▲ 0.50% · 4.625%
HK$20,369
+HK$1,020/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$38,698/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,251
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,850
−HK$608/mo
Today · 4.125%
HK$20,458
baseline
▲ 0.50% · 4.625%
HK$21,703
+HK$1,245/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,916/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,417
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,991
−HK$583/mo
Today · 4.125%
HK$22,574
baseline
▲ 0.50% · 4.625%
HK$23,764
+HK$1,190/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,148/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,751
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,521
−HK$782/mo
Today · 4.125%
HK$26,303
baseline
▲ 0.50% · 4.625%
HK$27,904
+HK$1,601/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$52,606/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$138,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,536
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,274
−HK$749/mo
Today · 4.125%
HK$29,023
baseline
▲ 0.50% · 4.625%
HK$30,553
+HK$1,530/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$58,046/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$138,034 · 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).