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$14,229
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,672
−HK$450/mo
Today · 4.125%
HK$15,122
baseline
▲ 0.50% · 4.625%
HK$16,042
+HK$920/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,244/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,830
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,255
−HK$430/mo
Today · 4.125%
HK$16,685
baseline
▲ 0.50% · 4.625%
HK$17,565
+HK$880/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,370/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,075
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,607
−HK$539/mo
Today · 4.125%
HK$18,146
baseline
▲ 0.50% · 4.625%
HK$19,250
+HK$1,104/mo
Deposit HK$2.50M · loan HK$3.74M · min. income ≈ HK$36,292/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,996
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,506
−HK$516/mo
Today · 4.125%
HK$20,022
baseline
▲ 0.50% · 4.625%
HK$21,078
+HK$1,056/mo
Deposit HK$2.50M · loan HK$3.74M · min. income ≈ HK$40,044/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,921
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,541
−HK$629/mo
Today · 4.125%
HK$21,170
baseline
▲ 0.50% · 4.625%
HK$22,459
+HK$1,289/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,340/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,162
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,757
−HK$603/mo
Today · 4.125%
HK$23,360
baseline
▲ 0.50% · 4.625%
HK$24,591
+HK$1,231/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,720/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,613
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,410
−HK$809/mo
Today · 4.125%
HK$27,219
baseline
▲ 0.50% · 4.625%
HK$28,875
+HK$1,656/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$54,438/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$159,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,494
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,258
−HK$776/mo
Today · 4.125%
HK$30,034
baseline
▲ 0.50% · 4.625%
HK$31,617
+HK$1,583/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$60,068/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$159,030 · 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).