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$14,209
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,651
−HK$449/mo
Today · 4.125%
HK$15,100
baseline
▲ 0.50% · 4.625%
HK$16,019
+HK$919/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,200/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$158,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,808
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,232
−HK$430/mo
Today · 4.125%
HK$16,662
baseline
▲ 0.50% · 4.625%
HK$17,540
+HK$878/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,324/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$158,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,051
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,582
−HK$538/mo
Today · 4.125%
HK$18,120
baseline
▲ 0.50% · 4.625%
HK$19,223
+HK$1,103/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,240/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,969
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,478
−HK$516/mo
Today · 4.125%
HK$19,994
baseline
▲ 0.50% · 4.625%
HK$21,048
+HK$1,054/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$39,988/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,893
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,512
−HK$629/mo
Today · 4.125%
HK$21,141
baseline
▲ 0.50% · 4.625%
HK$22,427
+HK$1,286/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,282/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,131
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,724
−HK$603/mo
Today · 4.125%
HK$23,327
baseline
▲ 0.50% · 4.625%
HK$24,556
+HK$1,229/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,654/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,577
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,372
−HK$809/mo
Today · 4.125%
HK$27,181
baseline
▲ 0.50% · 4.625%
HK$28,835
+HK$1,654/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$54,362/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$158,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,454
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,217
−HK$774/mo
Today · 4.125%
HK$29,991
baseline
▲ 0.50% · 4.625%
HK$31,572
+HK$1,581/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$59,982/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$158,147 · 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).