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$13,860
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,291
−HK$438/mo
Today · 4.125%
HK$14,729
baseline
▲ 0.50% · 4.625%
HK$15,625
+HK$896/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,458/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,419
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,833
−HK$419/mo
Today · 4.125%
HK$16,252
baseline
▲ 0.50% · 4.625%
HK$17,109
+HK$857/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,504/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,632
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,149
−HK$526/mo
Today · 4.125%
HK$17,675
baseline
▲ 0.50% · 4.625%
HK$18,750
+HK$1,075/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,350/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,503
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,999
−HK$503/mo
Today · 4.125%
HK$19,502
baseline
▲ 0.50% · 4.625%
HK$20,530
+HK$1,028/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$39,004/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,404
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,007
−HK$614/mo
Today · 4.125%
HK$20,621
baseline
▲ 0.50% · 4.625%
HK$21,875
+HK$1,254/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,242/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$142,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,587
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,166
−HK$587/mo
Today · 4.125%
HK$22,753
baseline
▲ 0.50% · 4.625%
HK$23,952
+HK$1,199/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,506/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$142,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,948
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,724
−HK$788/mo
Today · 4.125%
HK$26,512
baseline
▲ 0.50% · 4.625%
HK$28,125
+HK$1,613/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$53,024/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$142,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,754
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,499
−HK$755/mo
Today · 4.125%
HK$29,254
baseline
▲ 0.50% · 4.625%
HK$30,796
+HK$1,542/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$58,508/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$142,822 · 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).