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$14,218
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,660
−HK$449/mo
Today · 4.125%
HK$15,109
baseline
▲ 0.50% · 4.625%
HK$16,029
+HK$920/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,218/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,817
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,241
−HK$430/mo
Today · 4.125%
HK$16,671
baseline
▲ 0.50% · 4.625%
HK$17,550
+HK$879/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,342/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,061
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,592
−HK$539/mo
Today · 4.125%
HK$18,131
baseline
▲ 0.50% · 4.625%
HK$19,234
+HK$1,103/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,262/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,980
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,489
−HK$517/mo
Today · 4.125%
HK$20,006
baseline
▲ 0.50% · 4.625%
HK$21,060
+HK$1,054/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$40,012/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,905
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,524
−HK$629/mo
Today · 4.125%
HK$21,153
baseline
▲ 0.50% · 4.625%
HK$22,440
+HK$1,287/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,306/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,144
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,738
−HK$602/mo
Today · 4.125%
HK$23,340
baseline
▲ 0.50% · 4.625%
HK$24,570
+HK$1,230/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,680/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,592
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,388
−HK$808/mo
Today · 4.125%
HK$27,196
baseline
▲ 0.50% · 4.625%
HK$28,851
+HK$1,655/mo
Deposit HK$624K · loan HK$5.61M · min. income ≈ HK$54,392/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$158,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,470
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,234
−HK$775/mo
Today · 4.125%
HK$30,009
baseline
▲ 0.50% · 4.625%
HK$31,590
+HK$1,581/mo
Deposit HK$624K · loan HK$5.61M · min. income ≈ HK$60,018/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$158,509 · 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).