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$14,251
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,695
−HK$450/mo
Today · 4.125%
HK$15,145
baseline
▲ 0.50% · 4.625%
HK$16,066
+HK$921/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,290/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,854
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,280
−HK$431/mo
Today · 4.125%
HK$16,711
baseline
▲ 0.50% · 4.625%
HK$17,592
+HK$881/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,422/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,101
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,633
−HK$541/mo
Today · 4.125%
HK$18,174
baseline
▲ 0.50% · 4.625%
HK$19,280
+HK$1,106/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,348/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,025
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,535
−HK$518/mo
Today · 4.125%
HK$20,053
baseline
▲ 0.50% · 4.625%
HK$21,110
+HK$1,057/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,106/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,952
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,572
−HK$631/mo
Today · 4.125%
HK$21,203
baseline
▲ 0.50% · 4.625%
HK$22,493
+HK$1,290/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,406/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,196
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,791
−HK$604/mo
Today · 4.125%
HK$23,395
baseline
▲ 0.50% · 4.625%
HK$24,628
+HK$1,233/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,790/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,652
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,450
−HK$811/mo
Today · 4.125%
HK$27,261
baseline
▲ 0.50% · 4.625%
HK$28,920
+HK$1,659/mo
Deposit HK$625K · loan HK$5.62M · min. income ≈ HK$54,522/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$159,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,538
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,303
−HK$777/mo
Today · 4.125%
HK$30,080
baseline
▲ 0.50% · 4.625%
HK$31,665
+HK$1,585/mo
Deposit HK$625K · loan HK$5.62M · min. income ≈ HK$60,160/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$159,984 · 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).