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$14,236
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,679
−HK$450/mo
Today · 4.125%
HK$15,129
baseline
▲ 0.50% · 4.625%
HK$16,050
+HK$921/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,258/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,838
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,263
−HK$430/mo
Today · 4.125%
HK$16,693
baseline
▲ 0.50% · 4.625%
HK$17,573
+HK$880/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,386/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,084
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,615
−HK$540/mo
Today · 4.125%
HK$18,155
baseline
▲ 0.50% · 4.625%
HK$19,260
+HK$1,105/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,310/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,005
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,515
−HK$517/mo
Today · 4.125%
HK$20,032
baseline
▲ 0.50% · 4.625%
HK$21,088
+HK$1,056/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,064/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,931
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,551
−HK$630/mo
Today · 4.125%
HK$21,181
baseline
▲ 0.50% · 4.625%
HK$22,469
+HK$1,288/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,362/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,173
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,768
−HK$603/mo
Today · 4.125%
HK$23,371
baseline
▲ 0.50% · 4.625%
HK$24,603
+HK$1,232/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,742/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,625
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,422
−HK$810/mo
Today · 4.125%
HK$27,232
baseline
▲ 0.50% · 4.625%
HK$28,889
+HK$1,657/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$54,464/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$159,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,508
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,273
−HK$775/mo
Today · 4.125%
HK$30,048
baseline
▲ 0.50% · 4.625%
HK$31,632
+HK$1,584/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$60,096/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$159,330 · 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).