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$891/mo
▼ 0.25% · 3.875%
HK$14,656
−HK$449/mo
Today · 4.125%
HK$15,105
baseline
▲ 0.50% · 4.625%
HK$16,024
+HK$919/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,210/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$158,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,812
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,237
−HK$430/mo
Today · 4.125%
HK$16,667
baseline
▲ 0.50% · 4.625%
HK$17,545
+HK$878/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,334/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$158,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,056
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,587
−HK$539/mo
Today · 4.125%
HK$18,126
baseline
▲ 0.50% · 4.625%
HK$19,229
+HK$1,103/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,252/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,975
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,484
−HK$516/mo
Today · 4.125%
HK$20,000
baseline
▲ 0.50% · 4.625%
HK$21,054
+HK$1,054/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$40,000/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,899
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,518
−HK$629/mo
Today · 4.125%
HK$21,147
baseline
▲ 0.50% · 4.625%
HK$22,434
+HK$1,287/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,294/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,137
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,731
−HK$602/mo
Today · 4.125%
HK$23,333
baseline
▲ 0.50% · 4.625%
HK$24,563
+HK$1,230/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,666/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,584
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,380
−HK$809/mo
Today · 4.125%
HK$27,189
baseline
▲ 0.50% · 4.625%
HK$28,843
+HK$1,654/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$54,378/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$158,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,462
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,226
−HK$774/mo
Today · 4.125%
HK$30,000
baseline
▲ 0.50% · 4.625%
HK$31,582
+HK$1,582/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$60,000/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$158,333 · 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).