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$14,264
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,708
−HK$451/mo
Today · 4.125%
HK$15,159
baseline
▲ 0.50% · 4.625%
HK$16,081
+HK$922/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,318/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,869
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,294
−HK$432/mo
Today · 4.125%
HK$16,726
baseline
▲ 0.50% · 4.625%
HK$17,608
+HK$882/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,452/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,117
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,649
−HK$541/mo
Today · 4.125%
HK$18,190
baseline
▲ 0.50% · 4.625%
HK$19,297
+HK$1,107/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,380/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,042
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,553
−HK$518/mo
Today · 4.125%
HK$20,071
baseline
▲ 0.50% · 4.625%
HK$21,129
+HK$1,058/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,142/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,970
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,591
−HK$631/mo
Today · 4.125%
HK$21,222
baseline
▲ 0.50% · 4.625%
HK$22,513
+HK$1,291/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,444/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,216
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,812
−HK$604/mo
Today · 4.125%
HK$23,416
baseline
▲ 0.50% · 4.625%
HK$24,651
+HK$1,235/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,832/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,675
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,474
−HK$811/mo
Today · 4.125%
HK$27,285
baseline
▲ 0.50% · 4.625%
HK$28,946
+HK$1,661/mo
Deposit HK$626K · loan HK$5.63M · min. income ≈ HK$54,570/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$160,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,563
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,330
−HK$777/mo
Today · 4.125%
HK$30,107
baseline
▲ 0.50% · 4.625%
HK$31,694
+HK$1,587/mo
Deposit HK$626K · loan HK$5.63M · min. income ≈ HK$60,214/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$160,545 · 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).