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$14,237
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,680
−HK$450/mo
Today · 4.125%
HK$15,130
baseline
▲ 0.50% · 4.625%
HK$16,050
+HK$920/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,260/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,839
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,263
−HK$431/mo
Today · 4.125%
HK$16,694
baseline
▲ 0.50% · 4.625%
HK$17,574
+HK$880/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,388/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,084
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,616
−HK$540/mo
Today · 4.125%
HK$18,156
baseline
▲ 0.50% · 4.625%
HK$19,260
+HK$1,104/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,312/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,006
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,516
−HK$517/mo
Today · 4.125%
HK$20,033
baseline
▲ 0.50% · 4.625%
HK$21,089
+HK$1,056/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,066/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,932
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,552
−HK$630/mo
Today · 4.125%
HK$21,182
baseline
▲ 0.50% · 4.625%
HK$22,471
+HK$1,289/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,364/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,174
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,769
−HK$603/mo
Today · 4.125%
HK$23,372
baseline
▲ 0.50% · 4.625%
HK$24,604
+HK$1,232/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,744/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,627
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,424
−HK$810/mo
Today · 4.125%
HK$27,234
baseline
▲ 0.50% · 4.625%
HK$28,891
+HK$1,657/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$54,468/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$159,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,509
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,274
−HK$776/mo
Today · 4.125%
HK$30,050
baseline
▲ 0.50% · 4.625%
HK$31,634
+HK$1,584/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$60,100/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$159,361 · 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).