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$14,270
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,714
−HK$451/mo
Today · 4.125%
HK$15,165
baseline
▲ 0.50% · 4.625%
HK$16,088
+HK$923/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,330/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,875
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,301
−HK$432/mo
Today · 4.125%
HK$16,733
baseline
▲ 0.50% · 4.625%
HK$17,615
+HK$882/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,466/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,124
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,657
−HK$541/mo
Today · 4.125%
HK$18,198
baseline
▲ 0.50% · 4.625%
HK$19,305
+HK$1,107/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,396/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,050
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,561
−HK$519/mo
Today · 4.125%
HK$20,080
baseline
▲ 0.50% · 4.625%
HK$21,138
+HK$1,058/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,160/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,978
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,600
−HK$631/mo
Today · 4.125%
HK$21,231
baseline
▲ 0.50% · 4.625%
HK$22,523
+HK$1,292/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,462/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,226
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,822
−HK$604/mo
Today · 4.125%
HK$23,426
baseline
▲ 0.50% · 4.625%
HK$24,661
+HK$1,235/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,852/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,686
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,485
−HK$812/mo
Today · 4.125%
HK$27,297
baseline
▲ 0.50% · 4.625%
HK$28,958
+HK$1,661/mo
Deposit HK$626K · loan HK$5.63M · min. income ≈ HK$54,594/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$160,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,576
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,342
−HK$778/mo
Today · 4.125%
HK$30,120
baseline
▲ 0.50% · 4.625%
HK$31,707
+HK$1,587/mo
Deposit HK$626K · loan HK$5.63M · min. income ≈ HK$60,240/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$160,814 · 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).