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$14,667
−HK$449/mo
Today · 4.125%
HK$15,116
baseline
▲ 0.50% · 4.625%
HK$16,036
+HK$920/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$158,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,824
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,249
−HK$430/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$158,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,069
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,600
−HK$539/mo
Today · 4.125%
HK$18,139
baseline
▲ 0.50% · 4.625%
HK$19,243
+HK$1,104/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$158,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,989
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,498
−HK$517/mo
Today · 4.125%
HK$20,015
baseline
▲ 0.50% · 4.625%
HK$21,070
+HK$1,055/mo
Deposit HK$2.50M · loan HK$3.74M · min. income ≈ HK$40,030/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,914
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,533
−HK$630/mo
Today · 4.125%
HK$21,163
baseline
▲ 0.50% · 4.625%
HK$22,450
+HK$1,287/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,326/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,154
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,748
−HK$603/mo
Today · 4.125%
HK$23,351
baseline
▲ 0.50% · 4.625%
HK$24,582
+HK$1,231/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,702/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,604
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,400
−HK$809/mo
Today · 4.125%
HK$27,209
baseline
▲ 0.50% · 4.625%
HK$28,865
+HK$1,656/mo
Deposit HK$624K · loan HK$5.61M · min. income ≈ HK$54,418/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$158,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,484
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,248
−HK$775/mo
Today · 4.125%
HK$30,023
baseline
▲ 0.50% · 4.625%
HK$31,605
+HK$1,582/mo
Deposit HK$624K · loan HK$5.61M · min. income ≈ HK$60,046/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$158,800 · 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).