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$14,208
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,650
−HK$449/mo
Today · 4.125%
HK$15,099
baseline
▲ 0.50% · 4.625%
HK$16,017
+HK$918/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,198/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$158,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,806
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,230
−HK$430/mo
Today · 4.125%
HK$16,660
baseline
▲ 0.50% · 4.625%
HK$17,538
+HK$878/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,320/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$158,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,049
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,579
−HK$539/mo
Today · 4.125%
HK$18,118
baseline
▲ 0.50% · 4.625%
HK$19,221
+HK$1,103/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,236/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,967
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,476
−HK$516/mo
Today · 4.125%
HK$19,992
baseline
▲ 0.50% · 4.625%
HK$21,045
+HK$1,053/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$39,984/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,891
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,509
−HK$629/mo
Today · 4.125%
HK$21,138
baseline
▲ 0.50% · 4.625%
HK$22,424
+HK$1,286/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,276/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,128
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,722
−HK$602/mo
Today · 4.125%
HK$23,324
baseline
▲ 0.50% · 4.625%
HK$24,553
+HK$1,229/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,648/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,574
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,369
−HK$808/mo
Today · 4.125%
HK$27,177
baseline
▲ 0.50% · 4.625%
HK$28,831
+HK$1,654/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$54,354/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$158,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,450
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,213
−HK$775/mo
Today · 4.125%
HK$29,988
baseline
▲ 0.50% · 4.625%
HK$31,568
+HK$1,580/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$59,976/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$158,070 · 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).