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$14,276
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,720
−HK$451/mo
Today · 4.125%
HK$15,171
baseline
▲ 0.50% · 4.625%
HK$16,095
+HK$924/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,342/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,882
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,308
−HK$432/mo
Today · 4.125%
HK$16,740
baseline
▲ 0.50% · 4.625%
HK$17,623
+HK$883/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,480/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,131
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,664
−HK$542/mo
Today · 4.125%
HK$18,206
baseline
▲ 0.50% · 4.625%
HK$19,313
+HK$1,107/mo
Deposit HK$2.50M · loan HK$3.76M · min. income ≈ HK$36,412/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,058
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,570
−HK$518/mo
Today · 4.125%
HK$20,088
baseline
▲ 0.50% · 4.625%
HK$21,147
+HK$1,059/mo
Deposit HK$2.50M · loan HK$3.76M · min. income ≈ HK$40,176/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,987
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,608
−HK$632/mo
Today · 4.125%
HK$21,240
baseline
▲ 0.50% · 4.625%
HK$22,532
+HK$1,292/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,480/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,235
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,831
−HK$605/mo
Today · 4.125%
HK$23,436
baseline
▲ 0.50% · 4.625%
HK$24,672
+HK$1,236/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,872/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,697
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,496
−HK$812/mo
Today · 4.125%
HK$27,308
baseline
▲ 0.50% · 4.625%
HK$28,970
+HK$1,662/mo
Deposit HK$626K · loan HK$5.63M · min. income ≈ HK$54,616/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$161,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,588
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,354
−HK$778/mo
Today · 4.125%
HK$30,132
baseline
▲ 0.50% · 4.625%
HK$31,721
+HK$1,589/mo
Deposit HK$626K · loan HK$5.63M · min. income ≈ HK$60,264/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$161,076 · 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).