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$14,234
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,677
−HK$449/mo
Today · 4.125%
HK$15,126
baseline
▲ 0.50% · 4.625%
HK$16,047
+HK$921/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,252/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,835
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,260
−HK$431/mo
Today · 4.125%
HK$16,691
baseline
▲ 0.50% · 4.625%
HK$17,570
+HK$879/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,382/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,081
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,612
−HK$540/mo
Today · 4.125%
HK$18,152
baseline
▲ 0.50% · 4.625%
HK$19,256
+HK$1,104/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,304/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,002
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,512
−HK$517/mo
Today · 4.125%
HK$20,029
baseline
▲ 0.50% · 4.625%
HK$21,084
+HK$1,055/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,058/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,927
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,547
−HK$630/mo
Today · 4.125%
HK$21,177
baseline
▲ 0.50% · 4.625%
HK$22,466
+HK$1,289/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,354/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,169
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,764
−HK$603/mo
Today · 4.125%
HK$23,367
baseline
▲ 0.50% · 4.625%
HK$24,598
+HK$1,231/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,734/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,621
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,418
−HK$810/mo
Today · 4.125%
HK$27,228
baseline
▲ 0.50% · 4.625%
HK$28,884
+HK$1,656/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$54,456/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$159,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,503
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,267
−HK$776/mo
Today · 4.125%
HK$30,043
baseline
▲ 0.50% · 4.625%
HK$31,627
+HK$1,584/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$60,086/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$159,223 · 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).