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$14,236
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,678
−HK$450/mo
Today · 4.125%
HK$15,128
baseline
▲ 0.50% · 4.625%
HK$16,049
+HK$921/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,256/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,837
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,262
−HK$431/mo
Today · 4.125%
HK$16,693
baseline
▲ 0.50% · 4.625%
HK$17,573
+HK$880/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,386/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,083
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,614
−HK$540/mo
Today · 4.125%
HK$18,154
baseline
▲ 0.50% · 4.625%
HK$19,259
+HK$1,105/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,308/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,004
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,514
−HK$517/mo
Today · 4.125%
HK$20,031
baseline
▲ 0.50% · 4.625%
HK$21,087
+HK$1,056/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,062/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,930
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,550
−HK$630/mo
Today · 4.125%
HK$21,180
baseline
▲ 0.50% · 4.625%
HK$22,468
+HK$1,288/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,360/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,172
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,766
−HK$604/mo
Today · 4.125%
HK$23,370
baseline
▲ 0.50% · 4.625%
HK$24,602
+HK$1,232/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,740/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,624
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,421
−HK$810/mo
Today · 4.125%
HK$27,231
baseline
▲ 0.50% · 4.625%
HK$28,888
+HK$1,657/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$54,462/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$159,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,507
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,271
−HK$776/mo
Today · 4.125%
HK$30,047
baseline
▲ 0.50% · 4.625%
HK$31,631
+HK$1,584/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$60,094/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$159,301 · 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).