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$14,278
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,723
−HK$451/mo
Today · 4.125%
HK$15,174
baseline
▲ 0.50% · 4.625%
HK$16,097
+HK$923/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,348/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,885
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,311
−HK$432/mo
Today · 4.125%
HK$16,743
baseline
▲ 0.50% · 4.625%
HK$17,625
+HK$882/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,486/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,134
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,667
−HK$542/mo
Today · 4.125%
HK$18,209
baseline
▲ 0.50% · 4.625%
HK$19,317
+HK$1,108/mo
Deposit HK$2.50M · loan HK$3.76M · min. income ≈ HK$36,418/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,062
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,573
−HK$518/mo
Today · 4.125%
HK$20,091
baseline
▲ 0.50% · 4.625%
HK$21,150
+HK$1,059/mo
Deposit HK$2.50M · loan HK$3.76M · min. income ≈ HK$40,182/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,990
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,612
−HK$631/mo
Today · 4.125%
HK$21,243
baseline
▲ 0.50% · 4.625%
HK$22,536
+HK$1,293/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,486/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,238
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,835
−HK$605/mo
Today · 4.125%
HK$23,440
baseline
▲ 0.50% · 4.625%
HK$24,675
+HK$1,235/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,880/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,701
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,501
−HK$812/mo
Today · 4.125%
HK$27,313
baseline
▲ 0.50% · 4.625%
HK$28,975
+HK$1,662/mo
Deposit HK$626K · loan HK$5.64M · min. income ≈ HK$54,626/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$161,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,592
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,359
−HK$778/mo
Today · 4.125%
HK$30,137
baseline
▲ 0.50% · 4.625%
HK$31,726
+HK$1,589/mo
Deposit HK$626K · loan HK$5.64M · min. income ≈ HK$60,274/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$161,177 · 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).