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$14,277
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,721
−HK$451/mo
Today · 4.125%
HK$15,172
baseline
▲ 0.50% · 4.625%
HK$16,096
+HK$924/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,344/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,883
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,309
−HK$432/mo
Today · 4.125%
HK$16,741
baseline
▲ 0.50% · 4.625%
HK$17,624
+HK$883/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,482/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,133
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,665
−HK$542/mo
Today · 4.125%
HK$18,207
baseline
▲ 0.50% · 4.625%
HK$19,315
+HK$1,108/mo
Deposit HK$2.50M · loan HK$3.76M · min. income ≈ HK$36,414/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,060
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,571
−HK$518/mo
Today · 4.125%
HK$20,089
baseline
▲ 0.50% · 4.625%
HK$21,148
+HK$1,059/mo
Deposit HK$2.50M · loan HK$3.76M · min. income ≈ HK$40,178/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,988
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,610
−HK$631/mo
Today · 4.125%
HK$21,241
baseline
▲ 0.50% · 4.625%
HK$22,534
+HK$1,293/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,482/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,236
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,833
−HK$605/mo
Today · 4.125%
HK$23,438
baseline
▲ 0.50% · 4.625%
HK$24,673
+HK$1,235/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,876/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,699
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,498
−HK$812/mo
Today · 4.125%
HK$27,310
baseline
▲ 0.50% · 4.625%
HK$28,972
+HK$1,662/mo
Deposit HK$626K · loan HK$5.64M · min. income ≈ HK$54,620/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$161,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,590
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,356
−HK$778/mo
Today · 4.125%
HK$30,134
baseline
▲ 0.50% · 4.625%
HK$31,723
+HK$1,589/mo
Deposit HK$626K · loan HK$5.64M · min. income ≈ HK$60,268/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$161,118 · 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).