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$14,246
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,689
−HK$451/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$159,768 · 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$159,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,096
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,627
−HK$541/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$159,768 · 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$159,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,945
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,565
−HK$631/mo
Today · 4.125%
HK$21,196
baseline
▲ 0.50% · 4.625%
HK$22,485
+HK$1,289/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$159,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,188
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,783
−HK$604/mo
Today · 4.125%
HK$23,387
baseline
▲ 0.50% · 4.625%
HK$24,620
+HK$1,233/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,774/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,643
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,441
−HK$810/mo
Today · 4.125%
HK$27,251
baseline
▲ 0.50% · 4.625%
HK$28,910
+HK$1,659/mo
Deposit HK$625K · loan HK$5.62M · min. income ≈ HK$54,502/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$159,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,528
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,293
−HK$776/mo
Today · 4.125%
HK$30,069
baseline
▲ 0.50% · 4.625%
HK$31,654
+HK$1,585/mo
Deposit HK$625K · loan HK$5.62M · min. income ≈ HK$60,138/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$159,768 · 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).