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$891/mo
▼ 0.25% · 3.875%
HK$14,655
−HK$449/mo
Today · 4.125%
HK$15,104
baseline
▲ 0.50% · 4.625%
HK$16,023
+HK$919/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,208/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$158,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,811
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,235
−HK$431/mo
Today · 4.125%
HK$16,666
baseline
▲ 0.50% · 4.625%
HK$17,544
+HK$878/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$158,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,055
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,586
−HK$539/mo
Today · 4.125%
HK$18,125
baseline
▲ 0.50% · 4.625%
HK$19,227
+HK$1,102/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,250/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,974
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,482
−HK$517/mo
Today · 4.125%
HK$19,999
baseline
▲ 0.50% · 4.625%
HK$21,053
+HK$1,054/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$39,998/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,898
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,516
−HK$629/mo
Today · 4.125%
HK$21,145
baseline
▲ 0.50% · 4.625%
HK$22,432
+HK$1,287/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,290/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,136
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,729
−HK$603/mo
Today · 4.125%
HK$23,332
baseline
▲ 0.50% · 4.625%
HK$24,562
+HK$1,230/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,664/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,583
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,378
−HK$809/mo
Today · 4.125%
HK$27,187
baseline
▲ 0.50% · 4.625%
HK$28,841
+HK$1,654/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$54,374/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$158,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,460
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,224
−HK$774/mo
Today · 4.125%
HK$29,998
baseline
▲ 0.50% · 4.625%
HK$31,579
+HK$1,581/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$59,996/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$158,287 · 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).