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$14,254
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,697
−HK$451/mo
Today · 4.125%
HK$15,148
baseline
▲ 0.50% · 4.625%
HK$16,070
+HK$922/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,296/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,858
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,283
−HK$431/mo
Today · 4.125%
HK$16,714
baseline
▲ 0.50% · 4.625%
HK$17,595
+HK$881/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,428/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,105
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,637
−HK$541/mo
Today · 4.125%
HK$18,178
baseline
▲ 0.50% · 4.625%
HK$19,284
+HK$1,106/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,356/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,029
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,539
−HK$518/mo
Today · 4.125%
HK$20,057
baseline
▲ 0.50% · 4.625%
HK$21,114
+HK$1,057/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,114/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,956
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,576
−HK$631/mo
Today · 4.125%
HK$21,207
baseline
▲ 0.50% · 4.625%
HK$22,498
+HK$1,291/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,414/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,201
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,796
−HK$604/mo
Today · 4.125%
HK$23,400
baseline
▲ 0.50% · 4.625%
HK$24,633
+HK$1,233/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,800/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,657
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,455
−HK$811/mo
Today · 4.125%
HK$27,266
baseline
▲ 0.50% · 4.625%
HK$28,925
+HK$1,659/mo
Deposit HK$625K · loan HK$5.63M · min. income ≈ HK$54,532/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$160,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,544
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,309
−HK$777/mo
Today · 4.125%
HK$30,086
baseline
▲ 0.50% · 4.625%
HK$31,672
+HK$1,586/mo
Deposit HK$625K · loan HK$5.63M · min. income ≈ HK$60,172/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$160,109 · 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).