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$14,250
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,693
−HK$450/mo
Today · 4.125%
HK$15,143
baseline
▲ 0.50% · 4.625%
HK$16,065
+HK$922/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,286/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,853
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,278
−HK$431/mo
Today · 4.125%
HK$16,709
baseline
▲ 0.50% · 4.625%
HK$17,590
+HK$881/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,418/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,100
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,632
−HK$540/mo
Today · 4.125%
HK$18,172
baseline
▲ 0.50% · 4.625%
HK$19,278
+HK$1,106/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,344/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,023
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,534
−HK$517/mo
Today · 4.125%
HK$20,051
baseline
▲ 0.50% · 4.625%
HK$21,108
+HK$1,057/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,102/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,950
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,570
−HK$631/mo
Today · 4.125%
HK$21,201
baseline
▲ 0.50% · 4.625%
HK$22,491
+HK$1,290/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,402/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,194
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,789
−HK$604/mo
Today · 4.125%
HK$23,393
baseline
▲ 0.50% · 4.625%
HK$24,626
+HK$1,233/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,786/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,650
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,448
−HK$810/mo
Today · 4.125%
HK$27,258
baseline
▲ 0.50% · 4.625%
HK$28,917
+HK$1,659/mo
Deposit HK$625K · loan HK$5.62M · min. income ≈ HK$54,516/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$159,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,535
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,300
−HK$777/mo
Today · 4.125%
HK$30,077
baseline
▲ 0.50% · 4.625%
HK$31,662
+HK$1,585/mo
Deposit HK$625K · loan HK$5.62M · min. income ≈ HK$60,154/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$159,926 · 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).