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$14,221
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,663
−HK$450/mo
Today · 4.125%
HK$15,113
baseline
▲ 0.50% · 4.625%
HK$16,032
+HK$919/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,226/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,821
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,245
−HK$430/mo
Today · 4.125%
HK$16,675
baseline
▲ 0.50% · 4.625%
HK$17,554
+HK$879/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,350/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,065
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,596
−HK$539/mo
Today · 4.125%
HK$18,135
baseline
▲ 0.50% · 4.625%
HK$19,239
+HK$1,104/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,270/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,985
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,494
−HK$516/mo
Today · 4.125%
HK$20,010
baseline
▲ 0.50% · 4.625%
HK$21,065
+HK$1,055/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$40,020/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,909
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,528
−HK$630/mo
Today · 4.125%
HK$21,158
baseline
▲ 0.50% · 4.625%
HK$22,445
+HK$1,287/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,316/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,149
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,743
−HK$602/mo
Today · 4.125%
HK$23,345
baseline
▲ 0.50% · 4.625%
HK$24,576
+HK$1,231/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,690/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,598
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,394
−HK$809/mo
Today · 4.125%
HK$27,203
baseline
▲ 0.50% · 4.625%
HK$28,858
+HK$1,655/mo
Deposit HK$624K · loan HK$5.61M · min. income ≈ HK$54,406/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$158,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,477
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,241
−HK$774/mo
Today · 4.125%
HK$30,015
baseline
▲ 0.50% · 4.625%
HK$31,598
+HK$1,583/mo
Deposit HK$624K · loan HK$5.61M · min. income ≈ HK$60,030/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$158,651 · 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).