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$14,228
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,670
−HK$450/mo
Today · 4.125%
HK$15,120
baseline
▲ 0.50% · 4.625%
HK$16,040
+HK$920/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,240/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,828
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,252
−HK$431/mo
Today · 4.125%
HK$16,683
baseline
▲ 0.50% · 4.625%
HK$17,563
+HK$880/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,366/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,073
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,604
−HK$540/mo
Today · 4.125%
HK$18,144
baseline
▲ 0.50% · 4.625%
HK$19,248
+HK$1,104/mo
Deposit HK$2.50M · loan HK$3.74M · min. income ≈ HK$36,288/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,994
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,503
−HK$517/mo
Today · 4.125%
HK$20,020
baseline
▲ 0.50% · 4.625%
HK$21,075
+HK$1,055/mo
Deposit HK$2.50M · loan HK$3.74M · min. income ≈ HK$40,040/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,919
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,538
−HK$630/mo
Today · 4.125%
HK$21,168
baseline
▲ 0.50% · 4.625%
HK$22,456
+HK$1,288/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,336/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,159
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,753
−HK$603/mo
Today · 4.125%
HK$23,356
baseline
▲ 0.50% · 4.625%
HK$24,588
+HK$1,232/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,712/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,610
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,406
−HK$810/mo
Today · 4.125%
HK$27,216
baseline
▲ 0.50% · 4.625%
HK$28,872
+HK$1,656/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$54,432/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$158,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,490
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,254
−HK$776/mo
Today · 4.125%
HK$30,030
baseline
▲ 0.50% · 4.625%
HK$31,613
+HK$1,583/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$60,060/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$158,945 · 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).