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$14,233
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,676
−HK$450/mo
Today · 4.125%
HK$15,126
baseline
▲ 0.50% · 4.625%
HK$16,046
+HK$920/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,252/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,834
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,259
−HK$431/mo
Today · 4.125%
HK$16,690
baseline
▲ 0.50% · 4.625%
HK$17,570
+HK$880/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,380/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,080
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,611
−HK$540/mo
Today · 4.125%
HK$18,151
baseline
▲ 0.50% · 4.625%
HK$19,256
+HK$1,105/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,302/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,001
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,511
−HK$517/mo
Today · 4.125%
HK$20,028
baseline
▲ 0.50% · 4.625%
HK$21,084
+HK$1,056/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,056/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,927
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,547
−HK$629/mo
Today · 4.125%
HK$21,176
baseline
▲ 0.50% · 4.625%
HK$22,465
+HK$1,289/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,352/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,168
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,763
−HK$603/mo
Today · 4.125%
HK$23,366
baseline
▲ 0.50% · 4.625%
HK$24,598
+HK$1,232/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,732/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,620
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,417
−HK$810/mo
Today · 4.125%
HK$27,227
baseline
▲ 0.50% · 4.625%
HK$28,883
+HK$1,656/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$54,454/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$159,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,502
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,266
−HK$776/mo
Today · 4.125%
HK$30,042
baseline
▲ 0.50% · 4.625%
HK$31,626
+HK$1,584/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$60,084/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$159,201 · 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).