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$14,234
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,677
−HK$450/mo
Today · 4.125%
HK$15,127
baseline
▲ 0.50% · 4.625%
HK$16,047
+HK$920/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,254/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,836
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,260
−HK$431/mo
Today · 4.125%
HK$16,691
baseline
▲ 0.50% · 4.625%
HK$17,571
+HK$880/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,382/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,081
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,613
−HK$539/mo
Today · 4.125%
HK$18,152
baseline
▲ 0.50% · 4.625%
HK$19,257
+HK$1,105/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,304/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,003
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,512
−HK$517/mo
Today · 4.125%
HK$20,029
baseline
▲ 0.50% · 4.625%
HK$21,085
+HK$1,056/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,058/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,928
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,548
−HK$630/mo
Today · 4.125%
HK$21,178
baseline
▲ 0.50% · 4.625%
HK$22,466
+HK$1,288/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,356/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,170
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,764
−HK$604/mo
Today · 4.125%
HK$23,368
baseline
▲ 0.50% · 4.625%
HK$24,599
+HK$1,231/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,736/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,622
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,419
−HK$810/mo
Today · 4.125%
HK$27,229
baseline
▲ 0.50% · 4.625%
HK$28,885
+HK$1,656/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$54,458/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$159,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,504
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,268
−HK$776/mo
Today · 4.125%
HK$30,044
baseline
▲ 0.50% · 4.625%
HK$31,628
+HK$1,584/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$60,088/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$159,243 · 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).