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$14,245
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,688
−HK$450/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$159,695 · 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$17,584
+HK$881/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$159,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,094
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,625
−HK$540/mo
Today · 4.125%
HK$18,165
baseline
▲ 0.50% · 4.625%
HK$19,271
+HK$1,106/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$159,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,016
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,526
−HK$518/mo
Today · 4.125%
HK$20,044
baseline
▲ 0.50% · 4.625%
HK$21,100
+HK$1,056/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,088/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,942
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,563
−HK$630/mo
Today · 4.125%
HK$21,193
baseline
▲ 0.50% · 4.625%
HK$22,483
+HK$1,290/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$159,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,186
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,781
−HK$603/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$159,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,640
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,438
−HK$810/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$159,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,525
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,290
−HK$776/mo
Today · 4.125%
HK$30,066
baseline
▲ 0.50% · 4.625%
HK$31,651
+HK$1,585/mo
Deposit HK$625K · loan HK$5.62M · min. income ≈ HK$60,132/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$159,695 · 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).