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$13,723
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,150
−HK$434/mo
Today · 4.125%
HK$14,584
baseline
▲ 0.50% · 4.625%
HK$15,471
+HK$887/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,168/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$136,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,267
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,676
−HK$416/mo
Today · 4.125%
HK$16,092
baseline
▲ 0.50% · 4.625%
HK$16,940
+HK$848/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,184/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$136,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,468
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,980
−HK$521/mo
Today · 4.125%
HK$17,501
baseline
▲ 0.50% · 4.625%
HK$18,565
+HK$1,064/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$35,002/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,320
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,812
−HK$498/mo
Today · 4.125%
HK$19,310
baseline
▲ 0.50% · 4.625%
HK$20,328
+HK$1,018/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,620/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,212
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,810
−HK$607/mo
Today · 4.125%
HK$20,417
baseline
▲ 0.50% · 4.625%
HK$21,660
+HK$1,243/mo
Deposit HK$1.81M · loan HK$4.21M · min. income ≈ HK$40,834/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,374
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,947
−HK$581/mo
Today · 4.125%
HK$22,528
baseline
▲ 0.50% · 4.625%
HK$23,716
+HK$1,188/mo
Deposit HK$1.81M · loan HK$4.21M · min. income ≈ HK$45,056/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,702
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,470
−HK$781/mo
Today · 4.125%
HK$26,251
baseline
▲ 0.50% · 4.625%
HK$27,848
+HK$1,597/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$52,502/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$136,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,480
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,217
−HK$748/mo
Today · 4.125%
HK$28,965
baseline
▲ 0.50% · 4.625%
HK$30,492
+HK$1,527/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$57,930/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$136,828 · 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).