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$14,235
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,678
−HK$450/mo
Today · 4.125%
HK$15,128
baseline
▲ 0.50% · 4.625%
HK$16,048
+HK$920/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,256/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,836
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,261
−HK$431/mo
Today · 4.125%
HK$16,692
baseline
▲ 0.50% · 4.625%
HK$17,572
+HK$880/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,384/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,082
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,613
−HK$540/mo
Today · 4.125%
HK$18,153
baseline
▲ 0.50% · 4.625%
HK$19,258
+HK$1,105/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,306/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,003
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,513
−HK$517/mo
Today · 4.125%
HK$20,030
baseline
▲ 0.50% · 4.625%
HK$21,086
+HK$1,056/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,060/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,929
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,549
−HK$630/mo
Today · 4.125%
HK$21,179
baseline
▲ 0.50% · 4.625%
HK$22,467
+HK$1,288/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,358/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,171
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,765
−HK$604/mo
Today · 4.125%
HK$23,369
baseline
▲ 0.50% · 4.625%
HK$24,600
+HK$1,231/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,738/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,623
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,420
−HK$810/mo
Today · 4.125%
HK$27,230
baseline
▲ 0.50% · 4.625%
HK$28,887
+HK$1,657/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$54,460/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$159,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,505
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,270
−HK$775/mo
Today · 4.125%
HK$30,045
baseline
▲ 0.50% · 4.625%
HK$31,629
+HK$1,584/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$60,090/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$159,270 · 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).