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$14,238
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,681
−HK$450/mo
Today · 4.125%
HK$15,131
baseline
▲ 0.50% · 4.625%
HK$16,052
+HK$921/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,262/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,840
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,265
−HK$431/mo
Today · 4.125%
HK$16,696
baseline
▲ 0.50% · 4.625%
HK$17,576
+HK$880/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,392/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,086
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,617
−HK$540/mo
Today · 4.125%
HK$18,157
baseline
▲ 0.50% · 4.625%
HK$19,262
+HK$1,105/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,314/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,008
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,518
−HK$517/mo
Today · 4.125%
HK$20,035
baseline
▲ 0.50% · 4.625%
HK$21,091
+HK$1,056/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,070/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,933
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,553
−HK$630/mo
Today · 4.125%
HK$21,183
baseline
▲ 0.50% · 4.625%
HK$22,472
+HK$1,289/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,366/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,176
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,770
−HK$604/mo
Today · 4.125%
HK$23,374
baseline
▲ 0.50% · 4.625%
HK$24,606
+HK$1,232/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,748/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,629
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,426
−HK$810/mo
Today · 4.125%
HK$27,236
baseline
▲ 0.50% · 4.625%
HK$28,893
+HK$1,657/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$54,472/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$159,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,512
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,276
−HK$776/mo
Today · 4.125%
HK$30,052
baseline
▲ 0.50% · 4.625%
HK$31,636
+HK$1,584/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$60,104/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$159,411 · 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).