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$14,211
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,653
−HK$449/mo
Today · 4.125%
HK$15,102
baseline
▲ 0.50% · 4.625%
HK$16,021
+HK$919/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$158,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,810
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,234
−HK$430/mo
Today · 4.125%
HK$16,664
baseline
▲ 0.50% · 4.625%
HK$17,542
+HK$878/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,328/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$158,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,053
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,584
−HK$539/mo
Today · 4.125%
HK$18,123
baseline
▲ 0.50% · 4.625%
HK$19,225
+HK$1,102/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,246/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,218 · 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$158,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,895
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,514
−HK$629/mo
Today · 4.125%
HK$21,143
baseline
▲ 0.50% · 4.625%
HK$22,429
+HK$1,286/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,286/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,133
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,727
−HK$602/mo
Today · 4.125%
HK$23,329
baseline
▲ 0.50% · 4.625%
HK$24,559
+HK$1,230/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,658/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,580
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,375
−HK$809/mo
Today · 4.125%
HK$27,184
baseline
▲ 0.50% · 4.625%
HK$28,838
+HK$1,654/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$54,368/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$158,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,457
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,220
−HK$775/mo
Today · 4.125%
HK$29,995
baseline
▲ 0.50% · 4.625%
HK$31,576
+HK$1,581/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$59,990/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$158,218 · 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).