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$14,274
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,718
−HK$451/mo
Today · 4.125%
HK$15,169
baseline
▲ 0.50% · 4.625%
HK$16,092
+HK$923/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,338/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,880
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,305
−HK$432/mo
Today · 4.125%
HK$16,737
baseline
▲ 0.50% · 4.625%
HK$17,620
+HK$883/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,474/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,129
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,661
−HK$542/mo
Today · 4.125%
HK$18,203
baseline
▲ 0.50% · 4.625%
HK$19,310
+HK$1,107/mo
Deposit HK$2.50M · loan HK$3.76M · min. income ≈ HK$36,406/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,055
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,566
−HK$519/mo
Today · 4.125%
HK$20,085
baseline
▲ 0.50% · 4.625%
HK$21,144
+HK$1,059/mo
Deposit HK$2.50M · loan HK$3.76M · min. income ≈ HK$40,170/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,983
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,605
−HK$632/mo
Today · 4.125%
HK$21,237
baseline
▲ 0.50% · 4.625%
HK$22,529
+HK$1,292/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,474/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,231
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,828
−HK$604/mo
Today · 4.125%
HK$23,432
baseline
▲ 0.50% · 4.625%
HK$24,668
+HK$1,236/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,864/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,693
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,492
−HK$812/mo
Today · 4.125%
HK$27,304
baseline
▲ 0.50% · 4.625%
HK$28,966
+HK$1,662/mo
Deposit HK$626K · loan HK$5.63M · min. income ≈ HK$54,608/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$160,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,583
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,350
−HK$777/mo
Today · 4.125%
HK$30,127
baseline
▲ 0.50% · 4.625%
HK$31,715
+HK$1,588/mo
Deposit HK$626K · loan HK$5.63M · min. income ≈ HK$60,254/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$160,976 · 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).