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$14,212
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,654
−HK$450/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$158,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,811
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,235
−HK$430/mo
Today · 4.125%
HK$16,665
baseline
▲ 0.50% · 4.625%
HK$17,544
+HK$879/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,330/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$158,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,055
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,585
−HK$539/mo
Today · 4.125%
HK$18,124
baseline
▲ 0.50% · 4.625%
HK$19,227
+HK$1,103/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,248/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,973
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,482
−HK$516/mo
Today · 4.125%
HK$19,998
baseline
▲ 0.50% · 4.625%
HK$21,052
+HK$1,054/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$39,996/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,897
−HK$1,248/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$158,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,135
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,729
−HK$602/mo
Today · 4.125%
HK$23,331
baseline
▲ 0.50% · 4.625%
HK$24,561
+HK$1,230/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,662/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,582
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,378
−HK$808/mo
Today · 4.125%
HK$27,186
baseline
▲ 0.50% · 4.625%
HK$28,841
+HK$1,655/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$54,372/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$158,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,460
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,223
−HK$774/mo
Today · 4.125%
HK$29,997
baseline
▲ 0.50% · 4.625%
HK$31,579
+HK$1,582/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$59,994/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$158,277 · 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).