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$14,235
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,677
−HK$450/mo
Today · 4.125%
HK$15,127
baseline
▲ 0.50% · 4.625%
HK$16,048
+HK$921/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,254/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,836
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,261
−HK$430/mo
Today · 4.125%
HK$16,691
baseline
▲ 0.50% · 4.625%
HK$17,571
+HK$880/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,382/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,081
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,613
−HK$540/mo
Today · 4.125%
HK$18,153
baseline
▲ 0.50% · 4.625%
HK$19,257
+HK$1,104/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,306/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,003
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,513
−HK$517/mo
Today · 4.125%
HK$20,030
baseline
▲ 0.50% · 4.625%
HK$21,085
+HK$1,055/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,060/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,928
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,548
−HK$630/mo
Today · 4.125%
HK$21,178
baseline
▲ 0.50% · 4.625%
HK$22,467
+HK$1,289/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,356/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,170
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,765
−HK$603/mo
Today · 4.125%
HK$23,368
baseline
▲ 0.50% · 4.625%
HK$24,600
+HK$1,232/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,736/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,622
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,419
−HK$810/mo
Today · 4.125%
HK$27,229
baseline
▲ 0.50% · 4.625%
HK$28,886
+HK$1,657/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$54,458/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$159,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,504
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,269
−HK$775/mo
Today · 4.125%
HK$30,044
baseline
▲ 0.50% · 4.625%
HK$31,628
+HK$1,584/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$60,088/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$159,253 · 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).