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$14,252
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,695
−HK$450/mo
Today · 4.125%
HK$15,145
baseline
▲ 0.50% · 4.625%
HK$16,067
+HK$922/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$159,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,855
−HK$856/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$159,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,102
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,634
−HK$540/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$159,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,026
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,536
−HK$517/mo
Today · 4.125%
HK$20,053
baseline
▲ 0.50% · 4.625%
HK$21,111
+HK$1,058/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$159,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,952
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,573
−HK$630/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$159,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,197
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,792
−HK$604/mo
Today · 4.125%
HK$23,396
baseline
▲ 0.50% · 4.625%
HK$24,629
+HK$1,233/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,792/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,653
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,451
−HK$810/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$159,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,538
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,304
−HK$776/mo
Today · 4.125%
HK$30,080
baseline
▲ 0.50% · 4.625%
HK$31,666
+HK$1,586/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$159,996 · 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).