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$14,267
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,711
−HK$451/mo
Today · 4.125%
HK$15,162
baseline
▲ 0.50% · 4.625%
HK$16,085
+HK$923/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,324/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,872
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,298
−HK$432/mo
Today · 4.125%
HK$16,730
baseline
▲ 0.50% · 4.625%
HK$17,612
+HK$882/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,460/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,121
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,654
−HK$541/mo
Today · 4.125%
HK$18,195
baseline
▲ 0.50% · 4.625%
HK$19,302
+HK$1,107/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,390/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,047
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,558
−HK$518/mo
Today · 4.125%
HK$20,076
baseline
▲ 0.50% · 4.625%
HK$21,134
+HK$1,058/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,152/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,974
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,596
−HK$631/mo
Today · 4.125%
HK$21,227
baseline
▲ 0.50% · 4.625%
HK$22,519
+HK$1,292/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,454/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,221
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,817
−HK$605/mo
Today · 4.125%
HK$23,422
baseline
▲ 0.50% · 4.625%
HK$24,657
+HK$1,235/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,844/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,681
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,480
−HK$812/mo
Today · 4.125%
HK$27,292
baseline
▲ 0.50% · 4.625%
HK$28,953
+HK$1,661/mo
Deposit HK$626K · loan HK$5.63M · min. income ≈ HK$54,584/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$160,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,570
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,337
−HK$777/mo
Today · 4.125%
HK$30,114
baseline
▲ 0.50% · 4.625%
HK$31,701
+HK$1,587/mo
Deposit HK$626K · loan HK$5.63M · min. income ≈ HK$60,228/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$160,697 · 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).