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$892/mo
▼ 0.25% · 3.875%
HK$14,652
−HK$450/mo
Today · 4.125%
HK$15,102
baseline
▲ 0.50% · 4.625%
HK$16,020
+HK$918/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,204/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$158,196 · 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$158,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,053
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,583
−HK$539/mo
Today · 4.125%
HK$18,122
baseline
▲ 0.50% · 4.625%
HK$19,225
+HK$1,103/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$158,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,971
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,480
−HK$516/mo
Today · 4.125%
HK$19,996
baseline
▲ 0.50% · 4.625%
HK$21,050
+HK$1,054/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$39,992/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,895
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,513
−HK$629/mo
Today · 4.125%
HK$21,142
baseline
▲ 0.50% · 4.625%
HK$22,429
+HK$1,287/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$158,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,133
−HK$1,195/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$158,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,579
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,374
−HK$809/mo
Today · 4.125%
HK$27,183
baseline
▲ 0.50% · 4.625%
HK$28,837
+HK$1,654/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$54,366/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$158,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,456
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,219
−HK$775/mo
Today · 4.125%
HK$29,994
baseline
▲ 0.50% · 4.625%
HK$31,575
+HK$1,581/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$59,988/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$158,196 · 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).