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$14,230
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,672
−HK$450/mo
Today · 4.125%
HK$15,122
baseline
▲ 0.50% · 4.625%
HK$16,042
+HK$920/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,244/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,830
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,255
−HK$431/mo
Today · 4.125%
HK$16,686
baseline
▲ 0.50% · 4.625%
HK$17,565
+HK$879/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,372/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,076
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,607
−HK$539/mo
Today · 4.125%
HK$18,146
baseline
▲ 0.50% · 4.625%
HK$19,251
+HK$1,105/mo
Deposit HK$2.50M · loan HK$3.74M · min. income ≈ HK$36,292/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,996
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,506
−HK$517/mo
Today · 4.125%
HK$20,023
baseline
▲ 0.50% · 4.625%
HK$21,078
+HK$1,055/mo
Deposit HK$2.50M · loan HK$3.74M · min. income ≈ HK$40,046/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,922
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,541
−HK$630/mo
Today · 4.125%
HK$21,171
baseline
▲ 0.50% · 4.625%
HK$22,459
+HK$1,288/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,342/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,163
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,757
−HK$603/mo
Today · 4.125%
HK$23,360
baseline
▲ 0.50% · 4.625%
HK$24,591
+HK$1,231/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,720/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,613
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,410
−HK$810/mo
Today · 4.125%
HK$27,220
baseline
▲ 0.50% · 4.625%
HK$28,876
+HK$1,656/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$54,440/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$159,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,495
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,259
−HK$775/mo
Today · 4.125%
HK$30,034
baseline
▲ 0.50% · 4.625%
HK$31,617
+HK$1,583/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$60,068/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$159,040 · 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).