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$14,257
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,701
−HK$451/mo
Today · 4.125%
HK$15,152
baseline
▲ 0.50% · 4.625%
HK$16,073
+HK$921/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,304/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,861
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,287
−HK$431/mo
Today · 4.125%
HK$16,718
baseline
▲ 0.50% · 4.625%
HK$17,599
+HK$881/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,436/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,109
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,641
−HK$541/mo
Today · 4.125%
HK$18,182
baseline
▲ 0.50% · 4.625%
HK$19,288
+HK$1,106/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,364/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,034
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,544
−HK$518/mo
Today · 4.125%
HK$20,062
baseline
▲ 0.50% · 4.625%
HK$21,119
+HK$1,057/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,124/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,960
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,581
−HK$631/mo
Today · 4.125%
HK$21,212
baseline
▲ 0.50% · 4.625%
HK$22,503
+HK$1,291/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,424/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,206
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,801
−HK$605/mo
Today · 4.125%
HK$23,406
baseline
▲ 0.50% · 4.625%
HK$24,639
+HK$1,233/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,812/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,663
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,462
−HK$811/mo
Today · 4.125%
HK$27,273
baseline
▲ 0.50% · 4.625%
HK$28,932
+HK$1,659/mo
Deposit HK$625K · loan HK$5.63M · min. income ≈ HK$54,546/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$160,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,550
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,316
−HK$777/mo
Today · 4.125%
HK$30,093
baseline
▲ 0.50% · 4.625%
HK$31,679
+HK$1,586/mo
Deposit HK$625K · loan HK$5.63M · min. income ≈ HK$60,186/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$160,258 · 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).