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$14,231
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,674
−HK$449/mo
Today · 4.125%
HK$15,123
baseline
▲ 0.50% · 4.625%
HK$16,044
+HK$921/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,246/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,832
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,256
−HK$431/mo
Today · 4.125%
HK$16,687
baseline
▲ 0.50% · 4.625%
HK$17,567
+HK$880/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,374/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,077
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,608
−HK$540/mo
Today · 4.125%
HK$18,148
baseline
▲ 0.50% · 4.625%
HK$19,252
+HK$1,104/mo
Deposit HK$2.50M · loan HK$3.74M · min. income ≈ HK$36,296/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,998
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,508
−HK$517/mo
Today · 4.125%
HK$20,025
baseline
▲ 0.50% · 4.625%
HK$21,080
+HK$1,055/mo
Deposit HK$2.50M · loan HK$3.74M · min. income ≈ HK$40,050/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,923
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,543
−HK$630/mo
Today · 4.125%
HK$21,173
baseline
▲ 0.50% · 4.625%
HK$22,461
+HK$1,288/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,346/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,165
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,759
−HK$603/mo
Today · 4.125%
HK$23,362
baseline
▲ 0.50% · 4.625%
HK$24,593
+HK$1,231/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,724/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,616
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,413
−HK$809/mo
Today · 4.125%
HK$27,222
baseline
▲ 0.50% · 4.625%
HK$28,878
+HK$1,656/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$54,444/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$159,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,497
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,262
−HK$775/mo
Today · 4.125%
HK$30,037
baseline
▲ 0.50% · 4.625%
HK$31,620
+HK$1,583/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$60,074/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$159,096 · 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).