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$14,224
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,666
−HK$450/mo
Today · 4.125%
HK$15,116
baseline
▲ 0.50% · 4.625%
HK$16,035
+HK$919/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,232/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,824
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,248
−HK$431/mo
Today · 4.125%
HK$16,679
baseline
▲ 0.50% · 4.625%
HK$17,558
+HK$879/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,358/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,068
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,599
−HK$540/mo
Today · 4.125%
HK$18,139
baseline
▲ 0.50% · 4.625%
HK$19,242
+HK$1,103/mo
Deposit HK$2.50M · loan HK$3.74M · min. income ≈ HK$36,278/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,988
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,498
−HK$516/mo
Today · 4.125%
HK$20,014
baseline
▲ 0.50% · 4.625%
HK$21,069
+HK$1,055/mo
Deposit HK$2.50M · loan HK$3.74M · min. income ≈ HK$40,028/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,913
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,533
−HK$629/mo
Today · 4.125%
HK$21,162
baseline
▲ 0.50% · 4.625%
HK$22,449
+HK$1,287/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,324/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,153
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,747
−HK$603/mo
Today · 4.125%
HK$23,350
baseline
▲ 0.50% · 4.625%
HK$24,581
+HK$1,231/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,700/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,603
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,399
−HK$809/mo
Today · 4.125%
HK$27,208
baseline
▲ 0.50% · 4.625%
HK$28,864
+HK$1,656/mo
Deposit HK$624K · loan HK$5.61M · min. income ≈ HK$54,416/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$158,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,483
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,246
−HK$775/mo
Today · 4.125%
HK$30,021
baseline
▲ 0.50% · 4.625%
HK$31,604
+HK$1,583/mo
Deposit HK$624K · loan HK$5.61M · min. income ≈ HK$60,042/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$158,775 · 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).