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$14,242
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,685
−HK$450/mo
Today · 4.125%
HK$15,135
baseline
▲ 0.50% · 4.625%
HK$16,056
+HK$921/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,270/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,844
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,269
−HK$431/mo
Today · 4.125%
HK$16,700
baseline
▲ 0.50% · 4.625%
HK$17,581
+HK$881/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,400/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,091
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,622
−HK$540/mo
Today · 4.125%
HK$18,162
baseline
▲ 0.50% · 4.625%
HK$19,268
+HK$1,106/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,324/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,013
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,523
−HK$517/mo
Today · 4.125%
HK$20,040
baseline
▲ 0.50% · 4.625%
HK$21,097
+HK$1,057/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,080/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,939
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,559
−HK$630/mo
Today · 4.125%
HK$21,189
baseline
▲ 0.50% · 4.625%
HK$22,479
+HK$1,290/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,378/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,182
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,777
−HK$604/mo
Today · 4.125%
HK$23,381
baseline
▲ 0.50% · 4.625%
HK$24,613
+HK$1,232/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,762/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,636
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,433
−HK$811/mo
Today · 4.125%
HK$27,244
baseline
▲ 0.50% · 4.625%
HK$28,901
+HK$1,657/mo
Deposit HK$625K · loan HK$5.62M · min. income ≈ HK$54,488/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$159,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,520
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,285
−HK$776/mo
Today · 4.125%
HK$30,061
baseline
▲ 0.50% · 4.625%
HK$31,645
+HK$1,584/mo
Deposit HK$625K · loan HK$5.62M · min. income ≈ HK$60,122/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$159,590 · 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).