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$14,214
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,656
−HK$450/mo
Today · 4.125%
HK$15,106
baseline
▲ 0.50% · 4.625%
HK$16,025
+HK$919/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,212/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,813
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,237
−HK$431/mo
Today · 4.125%
HK$16,668
baseline
▲ 0.50% · 4.625%
HK$17,546
+HK$878/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,336/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,057
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,588
−HK$539/mo
Today · 4.125%
HK$18,127
baseline
▲ 0.50% · 4.625%
HK$19,230
+HK$1,103/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,254/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,976
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,485
−HK$516/mo
Today · 4.125%
HK$20,001
baseline
▲ 0.50% · 4.625%
HK$21,055
+HK$1,054/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$40,002/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,900
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,519
−HK$629/mo
Today · 4.125%
HK$21,148
baseline
▲ 0.50% · 4.625%
HK$22,435
+HK$1,287/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,296/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,139
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,732
−HK$603/mo
Today · 4.125%
HK$23,335
baseline
▲ 0.50% · 4.625%
HK$24,565
+HK$1,230/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,670/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,586
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,382
−HK$808/mo
Today · 4.125%
HK$27,190
baseline
▲ 0.50% · 4.625%
HK$28,845
+HK$1,655/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$54,380/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$158,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,464
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,227
−HK$775/mo
Today · 4.125%
HK$30,002
baseline
▲ 0.50% · 4.625%
HK$31,583
+HK$1,581/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$60,004/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$158,365 · 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).