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$13,727
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,154
−HK$434/mo
Today · 4.125%
HK$14,588
baseline
▲ 0.50% · 4.625%
HK$15,476
+HK$888/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,176/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,272
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,681
−HK$416/mo
Today · 4.125%
HK$16,097
baseline
▲ 0.50% · 4.625%
HK$16,945
+HK$848/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,194/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,473
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,985
−HK$521/mo
Today · 4.125%
HK$17,506
baseline
▲ 0.50% · 4.625%
HK$18,571
+HK$1,065/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$35,012/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,326
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,817
−HK$499/mo
Today · 4.125%
HK$19,316
baseline
▲ 0.50% · 4.625%
HK$20,334
+HK$1,018/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,632/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,218
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,816
−HK$608/mo
Today · 4.125%
HK$20,424
baseline
▲ 0.50% · 4.625%
HK$21,666
+HK$1,242/mo
Deposit HK$1.81M · loan HK$4.21M · min. income ≈ HK$40,848/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$137,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,380
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,954
−HK$581/mo
Today · 4.125%
HK$22,535
baseline
▲ 0.50% · 4.625%
HK$23,723
+HK$1,188/mo
Deposit HK$1.81M · loan HK$4.21M · min. income ≈ HK$45,070/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$137,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,709
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,478
−HK$781/mo
Today · 4.125%
HK$26,259
baseline
▲ 0.50% · 4.625%
HK$27,857
+HK$1,598/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$52,518/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$137,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,489
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,226
−HK$748/mo
Today · 4.125%
HK$28,974
baseline
▲ 0.50% · 4.625%
HK$30,501
+HK$1,527/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$57,948/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$137,011 · 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).