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$14,235
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,678
−HK$450/mo
Today · 4.125%
HK$15,128
baseline
▲ 0.50% · 4.625%
HK$16,049
+HK$921/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,256/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,837
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,261
−HK$431/mo
Today · 4.125%
HK$16,692
baseline
▲ 0.50% · 4.625%
HK$17,572
+HK$880/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,384/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,082
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,614
−HK$540/mo
Today · 4.125%
HK$18,154
baseline
▲ 0.50% · 4.625%
HK$19,258
+HK$1,104/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,308/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,004
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,514
−HK$517/mo
Today · 4.125%
HK$20,031
baseline
▲ 0.50% · 4.625%
HK$21,087
+HK$1,056/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,062/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,930
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,549
−HK$630/mo
Today · 4.125%
HK$21,179
baseline
▲ 0.50% · 4.625%
HK$22,468
+HK$1,289/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,358/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,171
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,766
−HK$603/mo
Today · 4.125%
HK$23,369
baseline
▲ 0.50% · 4.625%
HK$24,601
+HK$1,232/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,738/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,624
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,421
−HK$810/mo
Today · 4.125%
HK$27,231
baseline
▲ 0.50% · 4.625%
HK$28,887
+HK$1,656/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$54,462/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$159,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,506
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,271
−HK$775/mo
Today · 4.125%
HK$30,046
baseline
▲ 0.50% · 4.625%
HK$31,630
+HK$1,584/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$60,092/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$159,290 · 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).