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$14,230
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,673
−HK$450/mo
Today · 4.125%
HK$15,123
baseline
▲ 0.50% · 4.625%
HK$16,043
+HK$920/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$159,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,831
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,256
−HK$431/mo
Today · 4.125%
HK$16,687
baseline
▲ 0.50% · 4.625%
HK$17,566
+HK$879/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$159,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,077
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,608
−HK$539/mo
Today · 4.125%
HK$18,147
baseline
▲ 0.50% · 4.625%
HK$19,252
+HK$1,105/mo
Deposit HK$2.50M · loan HK$3.74M · min. income ≈ HK$36,294/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,997
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,507
−HK$517/mo
Today · 4.125%
HK$20,024
baseline
▲ 0.50% · 4.625%
HK$21,079
+HK$1,055/mo
Deposit HK$2.50M · loan HK$3.74M · min. income ≈ HK$40,048/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,923
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,542
−HK$630/mo
Today · 4.125%
HK$21,172
baseline
▲ 0.50% · 4.625%
HK$22,460
+HK$1,288/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,344/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,164
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,758
−HK$603/mo
Today · 4.125%
HK$23,361
baseline
▲ 0.50% · 4.625%
HK$24,593
+HK$1,232/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,722/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,615
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,412
−HK$809/mo
Today · 4.125%
HK$27,221
baseline
▲ 0.50% · 4.625%
HK$28,877
+HK$1,656/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$54,442/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$159,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,496
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,260
−HK$776/mo
Today · 4.125%
HK$30,036
baseline
▲ 0.50% · 4.625%
HK$31,619
+HK$1,583/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$60,072/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$159,071 · 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).