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$893/mo
▼ 0.25% · 3.875%
HK$14,684
−HK$450/mo
Today · 4.125%
HK$15,134
baseline
▲ 0.50% · 4.625%
HK$16,055
+HK$921/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,268/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,538 · 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$17,579
+HK$880/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$159,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,089
−HK$1,072/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$159,538 · 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$21,095
+HK$1,056/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$159,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,937
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,558
−HK$630/mo
Today · 4.125%
HK$21,188
baseline
▲ 0.50% · 4.625%
HK$22,477
+HK$1,289/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$159,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,180
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,775
−HK$604/mo
Today · 4.125%
HK$23,379
baseline
▲ 0.50% · 4.625%
HK$24,611
+HK$1,232/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$159,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,634
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,431
−HK$810/mo
Today · 4.125%
HK$27,241
baseline
▲ 0.50% · 4.625%
HK$28,899
+HK$1,658/mo
Deposit HK$625K · loan HK$5.62M · min. income ≈ HK$54,482/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$159,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,517
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,282
−HK$776/mo
Today · 4.125%
HK$30,058
baseline
▲ 0.50% · 4.625%
HK$31,643
+HK$1,585/mo
Deposit HK$625K · loan HK$5.62M · min. income ≈ HK$60,116/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$159,538 · 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).