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$894/mo
▼ 0.25% · 3.875%
HK$14,687
−HK$451/mo
Today · 4.125%
HK$15,138
baseline
▲ 0.50% · 4.625%
HK$16,059
+HK$921/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,276/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,847
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,272
−HK$431/mo
Today · 4.125%
HK$16,703
baseline
▲ 0.50% · 4.625%
HK$17,583
+HK$880/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,406/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,093
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,625
−HK$540/mo
Today · 4.125%
HK$18,165
baseline
▲ 0.50% · 4.625%
HK$19,270
+HK$1,105/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,330/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,016
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,526
−HK$517/mo
Today · 4.125%
HK$20,043
baseline
▲ 0.50% · 4.625%
HK$21,100
+HK$1,057/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,086/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,942
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,562
−HK$631/mo
Today · 4.125%
HK$21,193
baseline
▲ 0.50% · 4.625%
HK$22,482
+HK$1,289/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,386/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,185
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,780
−HK$604/mo
Today · 4.125%
HK$23,384
baseline
▲ 0.50% · 4.625%
HK$24,617
+HK$1,233/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,768/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,640
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,437
−HK$811/mo
Today · 4.125%
HK$27,248
baseline
▲ 0.50% · 4.625%
HK$28,906
+HK$1,658/mo
Deposit HK$625K · loan HK$5.62M · min. income ≈ HK$54,496/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$159,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,524
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,289
−HK$776/mo
Today · 4.125%
HK$30,065
baseline
▲ 0.50% · 4.625%
HK$31,650
+HK$1,585/mo
Deposit HK$625K · loan HK$5.62M · min. income ≈ HK$60,130/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$159,682 · 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).