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$14,244
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,687
−HK$450/mo
Today · 4.125%
HK$15,137
baseline
▲ 0.50% · 4.625%
HK$16,058
+HK$921/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,274/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,846
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,271
−HK$431/mo
Today · 4.125%
HK$16,702
baseline
▲ 0.50% · 4.625%
HK$17,582
+HK$880/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,404/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,092
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,624
−HK$540/mo
Today · 4.125%
HK$18,164
baseline
▲ 0.50% · 4.625%
HK$19,269
+HK$1,105/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,328/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,015
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,525
−HK$517/mo
Today · 4.125%
HK$20,042
baseline
▲ 0.50% · 4.625%
HK$21,099
+HK$1,057/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,084/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,941
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,561
−HK$631/mo
Today · 4.125%
HK$21,192
baseline
▲ 0.50% · 4.625%
HK$22,481
+HK$1,289/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,384/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,184
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,779
−HK$604/mo
Today · 4.125%
HK$23,383
baseline
▲ 0.50% · 4.625%
HK$24,615
+HK$1,232/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,766/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,639
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,436
−HK$810/mo
Today · 4.125%
HK$27,246
baseline
▲ 0.50% · 4.625%
HK$28,904
+HK$1,658/mo
Deposit HK$625K · loan HK$5.62M · min. income ≈ HK$54,492/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$159,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,523
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,288
−HK$776/mo
Today · 4.125%
HK$30,064
baseline
▲ 0.50% · 4.625%
HK$31,648
+HK$1,584/mo
Deposit HK$625K · loan HK$5.62M · min. income ≈ HK$60,128/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$159,652 · 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).