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$14,226
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,668
−HK$450/mo
Today · 4.125%
HK$15,118
baseline
▲ 0.50% · 4.625%
HK$16,037
+HK$919/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,236/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,826
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,250
−HK$431/mo
Today · 4.125%
HK$16,681
baseline
▲ 0.50% · 4.625%
HK$17,560
+HK$879/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,362/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,071
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,602
−HK$539/mo
Today · 4.125%
HK$18,141
baseline
▲ 0.50% · 4.625%
HK$19,245
+HK$1,104/mo
Deposit HK$2.50M · loan HK$3.74M · min. income ≈ HK$36,282/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,991
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,500
−HK$517/mo
Today · 4.125%
HK$20,017
baseline
▲ 0.50% · 4.625%
HK$21,072
+HK$1,055/mo
Deposit HK$2.50M · loan HK$3.74M · min. income ≈ HK$40,034/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,916
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,535
−HK$630/mo
Today · 4.125%
HK$21,165
baseline
▲ 0.50% · 4.625%
HK$22,452
+HK$1,287/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,330/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,156
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,750
−HK$603/mo
Today · 4.125%
HK$23,353
baseline
▲ 0.50% · 4.625%
HK$24,584
+HK$1,231/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,706/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,606
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,402
−HK$810/mo
Today · 4.125%
HK$27,212
baseline
▲ 0.50% · 4.625%
HK$28,867
+HK$1,655/mo
Deposit HK$624K · loan HK$5.61M · min. income ≈ HK$54,424/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$158,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,486
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,250
−HK$775/mo
Today · 4.125%
HK$30,025
baseline
▲ 0.50% · 4.625%
HK$31,608
+HK$1,583/mo
Deposit HK$624K · loan HK$5.61M · min. income ≈ HK$60,050/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$158,856 · 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).