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$14,221
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,664
−HK$449/mo
Today · 4.125%
HK$15,113
baseline
▲ 0.50% · 4.625%
HK$16,033
+HK$920/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,226/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,821
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,245
−HK$431/mo
Today · 4.125%
HK$16,676
baseline
▲ 0.50% · 4.625%
HK$17,555
+HK$879/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,352/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,066
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,596
−HK$540/mo
Today · 4.125%
HK$18,136
baseline
▲ 0.50% · 4.625%
HK$19,239
+HK$1,103/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,272/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,985
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,494
−HK$517/mo
Today · 4.125%
HK$20,011
baseline
▲ 0.50% · 4.625%
HK$21,066
+HK$1,055/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$40,022/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,910
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,529
−HK$629/mo
Today · 4.125%
HK$21,158
baseline
▲ 0.50% · 4.625%
HK$22,446
+HK$1,288/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,316/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,149
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,743
−HK$603/mo
Today · 4.125%
HK$23,346
baseline
▲ 0.50% · 4.625%
HK$24,577
+HK$1,231/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,692/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,598
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,395
−HK$809/mo
Today · 4.125%
HK$27,204
baseline
▲ 0.50% · 4.625%
HK$28,859
+HK$1,655/mo
Deposit HK$624K · loan HK$5.61M · min. income ≈ HK$54,408/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$158,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,478
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,242
−HK$774/mo
Today · 4.125%
HK$30,016
baseline
▲ 0.50% · 4.625%
HK$31,599
+HK$1,583/mo
Deposit HK$624K · loan HK$5.61M · min. income ≈ HK$60,032/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$158,671 · 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).