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$14,241
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,684
−HK$451/mo
Today · 4.125%
HK$15,135
baseline
▲ 0.50% · 4.625%
HK$16,055
+HK$920/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,270/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,843
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,268
−HK$431/mo
Today · 4.125%
HK$16,699
baseline
▲ 0.50% · 4.625%
HK$17,580
+HK$881/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,398/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,090
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,621
−HK$540/mo
Today · 4.125%
HK$18,161
baseline
▲ 0.50% · 4.625%
HK$19,266
+HK$1,105/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,322/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,012
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,522
−HK$517/mo
Today · 4.125%
HK$20,039
baseline
▲ 0.50% · 4.625%
HK$21,096
+HK$1,057/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,078/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,938
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,558
−HK$630/mo
Today · 4.125%
HK$21,188
baseline
▲ 0.50% · 4.625%
HK$22,478
+HK$1,290/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,376/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,181
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,776
−HK$603/mo
Today · 4.125%
HK$23,379
baseline
▲ 0.50% · 4.625%
HK$24,612
+HK$1,233/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,758/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,635
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,432
−HK$810/mo
Today · 4.125%
HK$27,242
baseline
▲ 0.50% · 4.625%
HK$28,900
+HK$1,658/mo
Deposit HK$625K · loan HK$5.62M · min. income ≈ HK$54,484/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$159,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,518
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,283
−HK$776/mo
Today · 4.125%
HK$30,059
baseline
▲ 0.50% · 4.625%
HK$31,643
+HK$1,584/mo
Deposit HK$625K · loan HK$5.62M · min. income ≈ HK$60,118/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$159,555 · 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).