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$14,673
−HK$449/mo
Today · 4.125%
HK$15,122
baseline
▲ 0.50% · 4.625%
HK$16,043
+HK$921/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$159,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,831
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,255
−HK$431/mo
Today · 4.125%
HK$16,686
baseline
▲ 0.50% · 4.625%
HK$17,566
+HK$880/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$159,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,076
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,607
−HK$540/mo
Today · 4.125%
HK$18,147
baseline
▲ 0.50% · 4.625%
HK$19,251
+HK$1,104/mo
Deposit HK$2.50M · loan HK$3.74M · min. income ≈ HK$36,294/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,997
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,506
−HK$517/mo
Today · 4.125%
HK$20,023
baseline
▲ 0.50% · 4.625%
HK$21,079
+HK$1,056/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$159,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,922
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,542
−HK$629/mo
Today · 4.125%
HK$21,171
baseline
▲ 0.50% · 4.625%
HK$22,460
+HK$1,289/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$159,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,163
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,758
−HK$603/mo
Today · 4.125%
HK$23,361
baseline
▲ 0.50% · 4.625%
HK$24,592
+HK$1,231/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,722/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,614
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,411
−HK$809/mo
Today · 4.125%
HK$27,220
baseline
▲ 0.50% · 4.625%
HK$28,877
+HK$1,657/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$159,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,495
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,260
−HK$775/mo
Today · 4.125%
HK$30,035
baseline
▲ 0.50% · 4.625%
HK$31,618
+HK$1,583/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$60,070/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$159,056 · 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).