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$14,245
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,688
−HK$451/mo
Today · 4.125%
HK$15,139
baseline
▲ 0.50% · 4.625%
HK$16,060
+HK$921/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,278/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,848
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,273
−HK$431/mo
Today · 4.125%
HK$16,704
baseline
▲ 0.50% · 4.625%
HK$17,585
+HK$881/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,408/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,094
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,626
−HK$540/mo
Today · 4.125%
HK$18,166
baseline
▲ 0.50% · 4.625%
HK$19,272
+HK$1,106/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,332/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,017
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,527
−HK$518/mo
Today · 4.125%
HK$20,045
baseline
▲ 0.50% · 4.625%
HK$21,101
+HK$1,056/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,090/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,944
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,564
−HK$630/mo
Today · 4.125%
HK$21,194
baseline
▲ 0.50% · 4.625%
HK$22,484
+HK$1,290/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,388/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,187
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,782
−HK$604/mo
Today · 4.125%
HK$23,386
baseline
▲ 0.50% · 4.625%
HK$24,618
+HK$1,232/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,772/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,642
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,439
−HK$811/mo
Today · 4.125%
HK$27,250
baseline
▲ 0.50% · 4.625%
HK$28,908
+HK$1,658/mo
Deposit HK$625K · loan HK$5.62M · min. income ≈ HK$54,500/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$159,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,526
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,291
−HK$776/mo
Today · 4.125%
HK$30,067
baseline
▲ 0.50% · 4.625%
HK$31,652
+HK$1,585/mo
Deposit HK$625K · loan HK$5.62M · min. income ≈ HK$60,134/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$159,727 · 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).