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$14,219
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,661
−HK$449/mo
Today · 4.125%
HK$15,110
baseline
▲ 0.50% · 4.625%
HK$16,030
+HK$920/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,220/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,818
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,242
−HK$431/mo
Today · 4.125%
HK$16,673
baseline
▲ 0.50% · 4.625%
HK$17,552
+HK$879/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,346/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,062
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,593
−HK$539/mo
Today · 4.125%
HK$18,132
baseline
▲ 0.50% · 4.625%
HK$19,236
+HK$1,104/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,264/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,982
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,491
−HK$516/mo
Today · 4.125%
HK$20,007
baseline
▲ 0.50% · 4.625%
HK$21,062
+HK$1,055/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$40,014/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,906
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,525
−HK$630/mo
Today · 4.125%
HK$21,155
baseline
▲ 0.50% · 4.625%
HK$22,442
+HK$1,287/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,310/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,145
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,739
−HK$603/mo
Today · 4.125%
HK$23,342
baseline
▲ 0.50% · 4.625%
HK$24,572
+HK$1,230/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,684/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,594
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,390
−HK$809/mo
Today · 4.125%
HK$27,199
baseline
▲ 0.50% · 4.625%
HK$28,854
+HK$1,655/mo
Deposit HK$624K · loan HK$5.61M · min. income ≈ HK$54,398/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$158,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,473
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,236
−HK$775/mo
Today · 4.125%
HK$30,011
baseline
▲ 0.50% · 4.625%
HK$31,593
+HK$1,582/mo
Deposit HK$624K · loan HK$5.61M · min. income ≈ HK$60,022/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$158,559 · 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).