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$14,220
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,663
−HK$449/mo
Today · 4.125%
HK$15,112
baseline
▲ 0.50% · 4.625%
HK$16,031
+HK$919/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,224/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,820
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,244
−HK$431/mo
Today · 4.125%
HK$16,675
baseline
▲ 0.50% · 4.625%
HK$17,553
+HK$878/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,350/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,064
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,595
−HK$539/mo
Today · 4.125%
HK$18,134
baseline
▲ 0.50% · 4.625%
HK$19,238
+HK$1,104/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,268/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,984
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,493
−HK$516/mo
Today · 4.125%
HK$20,009
baseline
▲ 0.50% · 4.625%
HK$21,064
+HK$1,055/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$40,018/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,908
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,528
−HK$629/mo
Today · 4.125%
HK$21,157
baseline
▲ 0.50% · 4.625%
HK$22,444
+HK$1,287/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,314/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,148
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,742
−HK$602/mo
Today · 4.125%
HK$23,344
baseline
▲ 0.50% · 4.625%
HK$24,575
+HK$1,231/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,688/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,596
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,393
−HK$808/mo
Today · 4.125%
HK$27,201
baseline
▲ 0.50% · 4.625%
HK$28,857
+HK$1,656/mo
Deposit HK$624K · loan HK$5.61M · min. income ≈ HK$54,402/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$158,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,476
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,239
−HK$775/mo
Today · 4.125%
HK$30,014
baseline
▲ 0.50% · 4.625%
HK$31,596
+HK$1,582/mo
Deposit HK$624K · loan HK$5.61M · min. income ≈ HK$60,028/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$158,623 · 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).