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$14,227
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,669
−HK$450/mo
Today · 4.125%
HK$15,119
baseline
▲ 0.50% · 4.625%
HK$16,039
+HK$920/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,238/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,827
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,252
−HK$430/mo
Today · 4.125%
HK$16,682
baseline
▲ 0.50% · 4.625%
HK$17,562
+HK$880/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,364/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,072
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,603
−HK$540/mo
Today · 4.125%
HK$18,143
baseline
▲ 0.50% · 4.625%
HK$19,247
+HK$1,104/mo
Deposit HK$2.50M · loan HK$3.74M · min. income ≈ HK$36,286/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,993
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,502
−HK$517/mo
Today · 4.125%
HK$20,019
baseline
▲ 0.50% · 4.625%
HK$21,074
+HK$1,055/mo
Deposit HK$2.50M · loan HK$3.74M · min. income ≈ HK$40,038/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,918
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,537
−HK$630/mo
Today · 4.125%
HK$21,167
baseline
▲ 0.50% · 4.625%
HK$22,454
+HK$1,287/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,334/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,158
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,752
−HK$603/mo
Today · 4.125%
HK$23,355
baseline
▲ 0.50% · 4.625%
HK$24,586
+HK$1,231/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,710/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,608
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,405
−HK$809/mo
Today · 4.125%
HK$27,214
baseline
▲ 0.50% · 4.625%
HK$28,870
+HK$1,656/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$54,428/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$158,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,489
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,253
−HK$775/mo
Today · 4.125%
HK$30,028
baseline
▲ 0.50% · 4.625%
HK$31,611
+HK$1,583/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$60,056/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$158,914 · 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).