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$14,225
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,668
−HK$449/mo
Today · 4.125%
HK$15,117
baseline
▲ 0.50% · 4.625%
HK$16,037
+HK$920/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,234/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,825
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,250
−HK$430/mo
Today · 4.125%
HK$16,680
baseline
▲ 0.50% · 4.625%
HK$17,559
+HK$879/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,360/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,070
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,601
−HK$540/mo
Today · 4.125%
HK$18,141
baseline
▲ 0.50% · 4.625%
HK$19,244
+HK$1,103/mo
Deposit HK$2.50M · loan HK$3.74M · min. income ≈ HK$36,282/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,990
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,500
−HK$516/mo
Today · 4.125%
HK$20,016
baseline
▲ 0.50% · 4.625%
HK$21,071
+HK$1,055/mo
Deposit HK$2.50M · loan HK$3.74M · min. income ≈ HK$40,032/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,915
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,535
−HK$629/mo
Today · 4.125%
HK$21,164
baseline
▲ 0.50% · 4.625%
HK$22,452
+HK$1,288/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,328/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,155
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,750
−HK$602/mo
Today · 4.125%
HK$23,352
baseline
▲ 0.50% · 4.625%
HK$24,583
+HK$1,231/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,704/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,605
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,402
−HK$809/mo
Today · 4.125%
HK$27,211
baseline
▲ 0.50% · 4.625%
HK$28,866
+HK$1,655/mo
Deposit HK$624K · loan HK$5.61M · min. income ≈ HK$54,422/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$158,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,485
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,249
−HK$775/mo
Today · 4.125%
HK$30,024
baseline
▲ 0.50% · 4.625%
HK$31,607
+HK$1,583/mo
Deposit HK$624K · loan HK$5.61M · min. income ≈ HK$60,048/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$158,836 · 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).