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$14,223
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,666
−HK$449/mo
Today · 4.125%
HK$15,115
baseline
▲ 0.50% · 4.625%
HK$16,035
+HK$920/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,230/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,823
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,248
−HK$430/mo
Today · 4.125%
HK$16,678
baseline
▲ 0.50% · 4.625%
HK$17,557
+HK$879/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,356/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,068
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,599
−HK$539/mo
Today · 4.125%
HK$18,138
baseline
▲ 0.50% · 4.625%
HK$19,242
+HK$1,104/mo
Deposit HK$2.50M · loan HK$3.74M · min. income ≈ HK$36,276/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,988
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,497
−HK$517/mo
Today · 4.125%
HK$20,014
baseline
▲ 0.50% · 4.625%
HK$21,069
+HK$1,055/mo
Deposit HK$2.50M · loan HK$3.74M · min. income ≈ HK$40,028/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,913
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,532
−HK$629/mo
Today · 4.125%
HK$21,161
baseline
▲ 0.50% · 4.625%
HK$22,449
+HK$1,288/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,322/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,153
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,747
−HK$602/mo
Today · 4.125%
HK$23,349
baseline
▲ 0.50% · 4.625%
HK$24,580
+HK$1,231/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,698/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,602
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,398
−HK$809/mo
Today · 4.125%
HK$27,207
baseline
▲ 0.50% · 4.625%
HK$28,863
+HK$1,656/mo
Deposit HK$624K · loan HK$5.61M · min. income ≈ HK$54,414/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$158,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,482
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,246
−HK$775/mo
Today · 4.125%
HK$30,021
baseline
▲ 0.50% · 4.625%
HK$31,603
+HK$1,582/mo
Deposit HK$624K · loan HK$5.61M · min. income ≈ HK$60,042/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$158,760 · 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).