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$894/mo
▼ 0.25% · 3.875%
HK$14,710
−HK$451/mo
Today · 4.125%
HK$15,161
baseline
▲ 0.50% · 4.625%
HK$16,084
+HK$923/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,322/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,871
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,297
−HK$432/mo
Today · 4.125%
HK$16,729
baseline
▲ 0.50% · 4.625%
HK$17,611
+HK$882/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,458/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,120
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,652
−HK$541/mo
Today · 4.125%
HK$18,193
baseline
▲ 0.50% · 4.625%
HK$19,300
+HK$1,107/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,386/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,046
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,556
−HK$519/mo
Today · 4.125%
HK$20,075
baseline
▲ 0.50% · 4.625%
HK$21,133
+HK$1,058/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,150/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,973
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,594
−HK$632/mo
Today · 4.125%
HK$21,226
baseline
▲ 0.50% · 4.625%
HK$22,517
+HK$1,291/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,452/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,220
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,816
−HK$604/mo
Today · 4.125%
HK$23,420
baseline
▲ 0.50% · 4.625%
HK$24,655
+HK$1,235/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,840/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,680
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,479
−HK$811/mo
Today · 4.125%
HK$27,290
baseline
▲ 0.50% · 4.625%
HK$28,951
+HK$1,661/mo
Deposit HK$626K · loan HK$5.63M · min. income ≈ HK$54,580/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$160,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,568
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,335
−HK$777/mo
Today · 4.125%
HK$30,112
baseline
▲ 0.50% · 4.625%
HK$31,699
+HK$1,587/mo
Deposit HK$626K · loan HK$5.63M · min. income ≈ HK$60,224/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$160,654 · 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).