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$14,272
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,716
−HK$451/mo
Today · 4.125%
HK$15,167
baseline
▲ 0.50% · 4.625%
HK$16,090
+HK$923/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,334/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,877
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,303
−HK$432/mo
Today · 4.125%
HK$16,735
baseline
▲ 0.50% · 4.625%
HK$17,617
+HK$882/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,470/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,126
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,659
−HK$541/mo
Today · 4.125%
HK$18,200
baseline
▲ 0.50% · 4.625%
HK$19,308
+HK$1,108/mo
Deposit HK$2.50M · loan HK$3.76M · min. income ≈ HK$36,400/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,053
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,564
−HK$518/mo
Today · 4.125%
HK$20,082
baseline
▲ 0.50% · 4.625%
HK$21,141
+HK$1,059/mo
Deposit HK$2.50M · loan HK$3.76M · min. income ≈ HK$40,164/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,981
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,602
−HK$632/mo
Today · 4.125%
HK$21,234
baseline
▲ 0.50% · 4.625%
HK$22,526
+HK$1,292/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,468/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,228
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,824
−HK$605/mo
Today · 4.125%
HK$23,429
baseline
▲ 0.50% · 4.625%
HK$24,664
+HK$1,235/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,858/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,689
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,488
−HK$812/mo
Today · 4.125%
HK$27,300
baseline
▲ 0.50% · 4.625%
HK$28,961
+HK$1,661/mo
Deposit HK$626K · loan HK$5.63M · min. income ≈ HK$54,600/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$160,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,579
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,346
−HK$777/mo
Today · 4.125%
HK$30,123
baseline
▲ 0.50% · 4.625%
HK$31,711
+HK$1,588/mo
Deposit HK$626K · loan HK$5.63M · min. income ≈ HK$60,246/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$160,888 · 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).