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$14,277
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,722
−HK$451/mo
Today · 4.125%
HK$15,173
baseline
▲ 0.50% · 4.625%
HK$16,096
+HK$923/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,346/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,883
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,309
−HK$433/mo
Today · 4.125%
HK$16,742
baseline
▲ 0.50% · 4.625%
HK$17,624
+HK$882/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,484/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,133
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,666
−HK$541/mo
Today · 4.125%
HK$18,207
baseline
▲ 0.50% · 4.625%
HK$19,315
+HK$1,108/mo
Deposit HK$2.50M · loan HK$3.76M · min. income ≈ HK$36,414/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,060
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,571
−HK$519/mo
Today · 4.125%
HK$20,090
baseline
▲ 0.50% · 4.625%
HK$21,149
+HK$1,059/mo
Deposit HK$2.50M · loan HK$3.76M · min. income ≈ HK$40,180/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,988
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,610
−HK$632/mo
Today · 4.125%
HK$21,242
baseline
▲ 0.50% · 4.625%
HK$22,534
+HK$1,292/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,484/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,237
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,833
−HK$605/mo
Today · 4.125%
HK$23,438
baseline
▲ 0.50% · 4.625%
HK$24,674
+HK$1,236/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,876/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,699
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,499
−HK$812/mo
Today · 4.125%
HK$27,311
baseline
▲ 0.50% · 4.625%
HK$28,973
+HK$1,662/mo
Deposit HK$626K · loan HK$5.64M · min. income ≈ HK$54,622/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$161,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,590
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,357
−HK$778/mo
Today · 4.125%
HK$30,135
baseline
▲ 0.50% · 4.625%
HK$31,723
+HK$1,588/mo
Deposit HK$626K · loan HK$5.64M · min. income ≈ HK$60,270/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$161,132 · 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).