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$14,220
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,662
−HK$450/mo
Today · 4.125%
HK$15,112
baseline
▲ 0.50% · 4.625%
HK$16,031
+HK$919/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,224/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,819
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,244
−HK$430/mo
Today · 4.125%
HK$16,674
baseline
▲ 0.50% · 4.625%
HK$17,553
+HK$879/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,348/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,064
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,595
−HK$539/mo
Today · 4.125%
HK$18,134
baseline
▲ 0.50% · 4.625%
HK$19,237
+HK$1,103/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,268/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,983
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,492
−HK$517/mo
Today · 4.125%
HK$20,009
baseline
▲ 0.50% · 4.625%
HK$21,064
+HK$1,055/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$40,018/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,908
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,527
−HK$629/mo
Today · 4.125%
HK$21,156
baseline
▲ 0.50% · 4.625%
HK$22,443
+HK$1,287/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,312/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,147
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,741
−HK$603/mo
Today · 4.125%
HK$23,344
baseline
▲ 0.50% · 4.625%
HK$24,574
+HK$1,230/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,688/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,596
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,392
−HK$809/mo
Today · 4.125%
HK$27,201
baseline
▲ 0.50% · 4.625%
HK$28,856
+HK$1,655/mo
Deposit HK$624K · loan HK$5.61M · min. income ≈ HK$54,402/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$158,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,475
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,239
−HK$774/mo
Today · 4.125%
HK$30,013
baseline
▲ 0.50% · 4.625%
HK$31,595
+HK$1,582/mo
Deposit HK$624K · loan HK$5.61M · min. income ≈ HK$60,026/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$158,607 · 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).