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$14,226
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,669
−HK$449/mo
Today · 4.125%
HK$15,118
baseline
▲ 0.50% · 4.625%
HK$16,038
+HK$920/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,236/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,826
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,251
−HK$431/mo
Today · 4.125%
HK$16,682
baseline
▲ 0.50% · 4.625%
HK$17,561
+HK$879/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,364/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,071
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,602
−HK$540/mo
Today · 4.125%
HK$18,142
baseline
▲ 0.50% · 4.625%
HK$19,246
+HK$1,104/mo
Deposit HK$2.50M · loan HK$3.74M · min. income ≈ HK$36,284/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,992
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,501
−HK$517/mo
Today · 4.125%
HK$20,018
baseline
▲ 0.50% · 4.625%
HK$21,073
+HK$1,055/mo
Deposit HK$2.50M · loan HK$3.74M · min. income ≈ HK$40,036/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,917
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,536
−HK$630/mo
Today · 4.125%
HK$21,166
baseline
▲ 0.50% · 4.625%
HK$22,453
+HK$1,287/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,332/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,157
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,751
−HK$603/mo
Today · 4.125%
HK$23,354
baseline
▲ 0.50% · 4.625%
HK$24,585
+HK$1,231/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,708/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,607
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,404
−HK$809/mo
Today · 4.125%
HK$27,213
baseline
▲ 0.50% · 4.625%
HK$28,869
+HK$1,656/mo
Deposit HK$624K · loan HK$5.61M · min. income ≈ HK$54,426/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$158,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,488
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,252
−HK$775/mo
Today · 4.125%
HK$30,027
baseline
▲ 0.50% · 4.625%
HK$31,609
+HK$1,582/mo
Deposit HK$624K · loan HK$5.61M · min. income ≈ HK$60,054/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$158,885 · 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).