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$14,247
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,690
−HK$450/mo
Today · 4.125%
HK$15,140
baseline
▲ 0.50% · 4.625%
HK$16,061
+HK$921/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,280/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,849
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,274
−HK$431/mo
Today · 4.125%
HK$16,705
baseline
▲ 0.50% · 4.625%
HK$17,586
+HK$881/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,410/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,096
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,628
−HK$540/mo
Today · 4.125%
HK$18,168
baseline
▲ 0.50% · 4.625%
HK$19,273
+HK$1,105/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,336/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,019
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,529
−HK$517/mo
Today · 4.125%
HK$20,046
baseline
▲ 0.50% · 4.625%
HK$21,103
+HK$1,057/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,092/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,945
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,566
−HK$630/mo
Today · 4.125%
HK$21,196
baseline
▲ 0.50% · 4.625%
HK$22,486
+HK$1,290/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,392/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,189
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,784
−HK$604/mo
Today · 4.125%
HK$23,388
baseline
▲ 0.50% · 4.625%
HK$24,620
+HK$1,232/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,776/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,644
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,441
−HK$811/mo
Today · 4.125%
HK$27,252
baseline
▲ 0.50% · 4.625%
HK$28,910
+HK$1,658/mo
Deposit HK$625K · loan HK$5.62M · min. income ≈ HK$54,504/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$159,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,528
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,293
−HK$777/mo
Today · 4.125%
HK$30,070
baseline
▲ 0.50% · 4.625%
HK$31,655
+HK$1,585/mo
Deposit HK$625K · loan HK$5.62M · min. income ≈ HK$60,140/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$159,777 · 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).