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$3.28M (deposit + AVD stamp duty HK$158,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,813
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,237
−HK$430/mo
Today · 4.125%
HK$16,667
baseline
▲ 0.50% · 4.625%
HK$17,546
+HK$879/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,334/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,057
−HK$1,069/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$158,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,975
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,484
−HK$517/mo
Today · 4.125%
HK$20,001
baseline
▲ 0.50% · 4.625%
HK$21,055
+HK$1,054/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$40,002/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,347 · 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$158,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,138
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,732
−HK$602/mo
Today · 4.125%
HK$23,334
baseline
▲ 0.50% · 4.625%
HK$24,564
+HK$1,230/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,668/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,585
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,381
−HK$808/mo
Today · 4.125%
HK$27,189
baseline
▲ 0.50% · 4.625%
HK$28,844
+HK$1,655/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$158,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,463
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,226
−HK$775/mo
Today · 4.125%
HK$30,001
baseline
▲ 0.50% · 4.625%
HK$31,582
+HK$1,581/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$60,002/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$158,347 · 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).