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$14,215
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,657
−HK$449/mo
Today · 4.125%
HK$15,106
baseline
▲ 0.50% · 4.625%
HK$16,026
+HK$920/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,212/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,814
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,238
−HK$430/mo
Today · 4.125%
HK$16,668
baseline
▲ 0.50% · 4.625%
HK$17,547
+HK$879/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,336/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,058
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,589
−HK$539/mo
Today · 4.125%
HK$18,128
baseline
▲ 0.50% · 4.625%
HK$19,231
+HK$1,103/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,256/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,977
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,486
−HK$516/mo
Today · 4.125%
HK$20,002
baseline
▲ 0.50% · 4.625%
HK$21,056
+HK$1,054/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$40,004/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,901
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,520
−HK$629/mo
Today · 4.125%
HK$21,149
baseline
▲ 0.50% · 4.625%
HK$22,436
+HK$1,287/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,298/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,140
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,733
−HK$603/mo
Today · 4.125%
HK$23,336
baseline
▲ 0.50% · 4.625%
HK$24,566
+HK$1,230/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,672/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,587
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,383
−HK$808/mo
Today · 4.125%
HK$27,191
baseline
▲ 0.50% · 4.625%
HK$28,846
+HK$1,655/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$54,382/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$158,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,465
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,229
−HK$774/mo
Today · 4.125%
HK$30,003
baseline
▲ 0.50% · 4.625%
HK$31,585
+HK$1,582/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$60,006/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$158,393 · 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).