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$14,228
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,671
−HK$450/mo
Today · 4.125%
HK$15,121
baseline
▲ 0.50% · 4.625%
HK$16,041
+HK$920/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,242/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,829
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,253
−HK$431/mo
Today · 4.125%
HK$16,684
baseline
▲ 0.50% · 4.625%
HK$17,563
+HK$879/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,368/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,074
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,605
−HK$540/mo
Today · 4.125%
HK$18,145
baseline
▲ 0.50% · 4.625%
HK$19,249
+HK$1,104/mo
Deposit HK$2.50M · loan HK$3.74M · min. income ≈ HK$36,290/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,995
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,504
−HK$517/mo
Today · 4.125%
HK$20,021
baseline
▲ 0.50% · 4.625%
HK$21,076
+HK$1,055/mo
Deposit HK$2.50M · loan HK$3.74M · min. income ≈ HK$40,042/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,920
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,539
−HK$630/mo
Today · 4.125%
HK$21,169
baseline
▲ 0.50% · 4.625%
HK$22,457
+HK$1,288/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,338/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,160
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,755
−HK$603/mo
Today · 4.125%
HK$23,358
baseline
▲ 0.50% · 4.625%
HK$24,589
+HK$1,231/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,716/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,611
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,408
−HK$809/mo
Today · 4.125%
HK$27,217
baseline
▲ 0.50% · 4.625%
HK$28,873
+HK$1,656/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$54,434/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$158,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,492
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,256
−HK$775/mo
Today · 4.125%
HK$30,031
baseline
▲ 0.50% · 4.625%
HK$31,614
+HK$1,583/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$60,062/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$158,978 · 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).