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$14,216
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,658
−HK$449/mo
Today · 4.125%
HK$15,107
baseline
▲ 0.50% · 4.625%
HK$16,027
+HK$920/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,214/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,815
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,239
−HK$431/mo
Today · 4.125%
HK$16,670
baseline
▲ 0.50% · 4.625%
HK$17,548
+HK$878/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,340/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,059
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,590
−HK$539/mo
Today · 4.125%
HK$18,129
baseline
▲ 0.50% · 4.625%
HK$19,232
+HK$1,103/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,258/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,978
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,487
−HK$517/mo
Today · 4.125%
HK$20,004
baseline
▲ 0.50% · 4.625%
HK$21,058
+HK$1,054/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$40,008/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,902
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,522
−HK$628/mo
Today · 4.125%
HK$21,150
baseline
▲ 0.50% · 4.625%
HK$22,437
+HK$1,287/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,300/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,141
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,735
−HK$602/mo
Today · 4.125%
HK$23,337
baseline
▲ 0.50% · 4.625%
HK$24,568
+HK$1,231/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,674/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,589
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,385
−HK$808/mo
Today · 4.125%
HK$27,193
baseline
▲ 0.50% · 4.625%
HK$28,848
+HK$1,655/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$54,386/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$158,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,467
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,231
−HK$774/mo
Today · 4.125%
HK$30,005
baseline
▲ 0.50% · 4.625%
HK$31,587
+HK$1,582/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$60,010/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$158,440 · 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).