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$14,253
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,696
−HK$451/mo
Today · 4.125%
HK$15,147
baseline
▲ 0.50% · 4.625%
HK$16,068
+HK$921/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,294/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,856
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,282
−HK$431/mo
Today · 4.125%
HK$16,713
baseline
▲ 0.50% · 4.625%
HK$17,594
+HK$881/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,426/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,104
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,636
−HK$540/mo
Today · 4.125%
HK$18,176
baseline
▲ 0.50% · 4.625%
HK$19,282
+HK$1,106/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,352/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,028
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,538
−HK$518/mo
Today · 4.125%
HK$20,056
baseline
▲ 0.50% · 4.625%
HK$21,113
+HK$1,057/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,112/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,954
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,575
−HK$631/mo
Today · 4.125%
HK$21,206
baseline
▲ 0.50% · 4.625%
HK$22,496
+HK$1,290/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,412/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,199
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,794
−HK$604/mo
Today · 4.125%
HK$23,398
baseline
▲ 0.50% · 4.625%
HK$24,632
+HK$1,234/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,796/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,655
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,453
−HK$811/mo
Today · 4.125%
HK$27,264
baseline
▲ 0.50% · 4.625%
HK$28,923
+HK$1,659/mo
Deposit HK$625K · loan HK$5.63M · min. income ≈ HK$54,528/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$160,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,541
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,307
−HK$776/mo
Today · 4.125%
HK$30,083
baseline
▲ 0.50% · 4.625%
HK$31,669
+HK$1,586/mo
Deposit HK$625K · loan HK$5.63M · min. income ≈ HK$60,166/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$160,063 · 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).