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$892/mo
▼ 0.25% · 3.875%
HK$14,661
−HK$450/mo
Today · 4.125%
HK$15,111
baseline
▲ 0.50% · 4.625%
HK$16,030
+HK$919/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,222/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,819
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,243
−HK$430/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$158,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,063
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,594
−HK$539/mo
Today · 4.125%
HK$18,133
baseline
▲ 0.50% · 4.625%
HK$19,236
+HK$1,103/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,266/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,982
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,491
−HK$517/mo
Today · 4.125%
HK$20,008
baseline
▲ 0.50% · 4.625%
HK$21,063
+HK$1,055/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$40,016/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,907
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,526
−HK$629/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$4.37M · min. income ≈ HK$42,310/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,146
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,740
−HK$603/mo
Today · 4.125%
HK$23,343
baseline
▲ 0.50% · 4.625%
HK$24,573
+HK$1,230/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,686/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,594
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,391
−HK$808/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$158,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,473
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,237
−HK$775/mo
Today · 4.125%
HK$30,012
baseline
▲ 0.50% · 4.625%
HK$31,594
+HK$1,582/mo
Deposit HK$624K · loan HK$5.61M · min. income ≈ HK$60,024/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$158,575 · 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).