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$14,247
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,690
−HK$450/mo
Today · 4.125%
HK$15,140
baseline
▲ 0.50% · 4.625%
HK$16,062
+HK$922/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,280/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,849
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,275
−HK$431/mo
Today · 4.125%
HK$16,706
baseline
▲ 0.50% · 4.625%
HK$17,586
+HK$880/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,412/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,096
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,628
−HK$540/mo
Today · 4.125%
HK$18,168
baseline
▲ 0.50% · 4.625%
HK$19,274
+HK$1,106/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,336/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,019
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,529
−HK$518/mo
Today · 4.125%
HK$20,047
baseline
▲ 0.50% · 4.625%
HK$21,104
+HK$1,057/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,094/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,946
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,566
−HK$630/mo
Today · 4.125%
HK$21,196
baseline
▲ 0.50% · 4.625%
HK$22,486
+HK$1,290/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,392/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,189
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,784
−HK$604/mo
Today · 4.125%
HK$23,388
baseline
▲ 0.50% · 4.625%
HK$24,621
+HK$1,233/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,776/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,644
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,442
−HK$810/mo
Today · 4.125%
HK$27,252
baseline
▲ 0.50% · 4.625%
HK$28,911
+HK$1,659/mo
Deposit HK$625K · loan HK$5.62M · min. income ≈ HK$54,504/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$159,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,529
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,294
−HK$776/mo
Today · 4.125%
HK$30,070
baseline
▲ 0.50% · 4.625%
HK$31,655
+HK$1,585/mo
Deposit HK$625K · loan HK$5.62M · min. income ≈ HK$60,140/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$159,792 · 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).