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$14,213
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,655
−HK$450/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$158,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,812
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,236
−HK$430/mo
Today · 4.125%
HK$16,666
baseline
▲ 0.50% · 4.625%
HK$17,545
+HK$879/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,332/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$158,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,056
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,586
−HK$540/mo
Today · 4.125%
HK$18,126
baseline
▲ 0.50% · 4.625%
HK$19,228
+HK$1,102/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$158,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,975
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,483
−HK$517/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$158,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,899
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,518
−HK$628/mo
Today · 4.125%
HK$21,146
baseline
▲ 0.50% · 4.625%
HK$22,433
+HK$1,287/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,292/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,321 · 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$158,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,584
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,380
−HK$808/mo
Today · 4.125%
HK$27,188
baseline
▲ 0.50% · 4.625%
HK$28,843
+HK$1,655/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$54,376/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$158,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,462
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,225
−HK$775/mo
Today · 4.125%
HK$30,000
baseline
▲ 0.50% · 4.625%
HK$31,581
+HK$1,581/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$158,321 · 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).