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$14,240
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,683
−HK$450/mo
Today · 4.125%
HK$15,133
baseline
▲ 0.50% · 4.625%
HK$16,053
+HK$920/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,266/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,842
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,266
−HK$431/mo
Today · 4.125%
HK$16,697
baseline
▲ 0.50% · 4.625%
HK$17,578
+HK$881/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,394/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,088
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,619
−HK$540/mo
Today · 4.125%
HK$18,159
baseline
▲ 0.50% · 4.625%
HK$19,264
+HK$1,105/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,318/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,010
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,520
−HK$517/mo
Today · 4.125%
HK$20,037
baseline
▲ 0.50% · 4.625%
HK$21,093
+HK$1,056/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,074/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,936
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,556
−HK$630/mo
Today · 4.125%
HK$21,186
baseline
▲ 0.50% · 4.625%
HK$22,475
+HK$1,289/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,372/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,178
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,773
−HK$603/mo
Today · 4.125%
HK$23,376
baseline
▲ 0.50% · 4.625%
HK$24,609
+HK$1,233/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,752/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,631
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,429
−HK$810/mo
Today · 4.125%
HK$27,239
baseline
▲ 0.50% · 4.625%
HK$28,896
+HK$1,657/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$54,478/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$159,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,515
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,280
−HK$775/mo
Today · 4.125%
HK$30,055
baseline
▲ 0.50% · 4.625%
HK$31,640
+HK$1,585/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$60,110/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$159,479 · 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).