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$14,210
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,652
−HK$449/mo
Today · 4.125%
HK$15,101
baseline
▲ 0.50% · 4.625%
HK$16,020
+HK$919/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,202/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$158,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,809
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,233
−HK$430/mo
Today · 4.125%
HK$16,663
baseline
▲ 0.50% · 4.625%
HK$17,541
+HK$878/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,326/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$158,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,052
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,583
−HK$539/mo
Today · 4.125%
HK$18,122
baseline
▲ 0.50% · 4.625%
HK$19,224
+HK$1,102/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,244/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,970
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,479
−HK$516/mo
Today · 4.125%
HK$19,995
baseline
▲ 0.50% · 4.625%
HK$21,049
+HK$1,054/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$39,990/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,894
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,513
−HK$629/mo
Today · 4.125%
HK$21,142
baseline
▲ 0.50% · 4.625%
HK$22,428
+HK$1,286/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,284/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,132
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,726
−HK$602/mo
Today · 4.125%
HK$23,328
baseline
▲ 0.50% · 4.625%
HK$24,558
+HK$1,230/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,656/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,578
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,374
−HK$808/mo
Today · 4.125%
HK$27,182
baseline
▲ 0.50% · 4.625%
HK$28,836
+HK$1,654/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$54,364/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$158,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,456
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,219
−HK$774/mo
Today · 4.125%
HK$29,993
baseline
▲ 0.50% · 4.625%
HK$31,574
+HK$1,581/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$59,986/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$158,185 · 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).