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$891/mo
▼ 0.25% · 3.875%
HK$14,662
−HK$449/mo
Today · 4.125%
HK$15,111
baseline
▲ 0.50% · 4.625%
HK$16,031
+HK$920/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$158,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,819
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,243
−HK$431/mo
Today · 4.125%
HK$16,674
baseline
▲ 0.50% · 4.625%
HK$17,553
+HK$879/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,348/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,064
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,594
−HK$540/mo
Today · 4.125%
HK$18,134
baseline
▲ 0.50% · 4.625%
HK$19,237
+HK$1,103/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$158,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,983
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,492
−HK$517/mo
Today · 4.125%
HK$20,009
baseline
▲ 0.50% · 4.625%
HK$21,063
+HK$1,054/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$158,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,907
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,527
−HK$629/mo
Today · 4.125%
HK$21,156
baseline
▲ 0.50% · 4.625%
HK$22,443
+HK$1,287/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,312/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,147
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,741
−HK$602/mo
Today · 4.125%
HK$23,343
baseline
▲ 0.50% · 4.625%
HK$24,574
+HK$1,231/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$158,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,595
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,391
−HK$809/mo
Today · 4.125%
HK$27,200
baseline
▲ 0.50% · 4.625%
HK$28,855
+HK$1,655/mo
Deposit HK$624K · loan HK$5.61M · min. income ≈ HK$54,400/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$158,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,475
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,238
−HK$775/mo
Today · 4.125%
HK$30,013
baseline
▲ 0.50% · 4.625%
HK$31,595
+HK$1,582/mo
Deposit HK$624K · loan HK$5.61M · min. income ≈ HK$60,026/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$158,597 · 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).