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$14,270
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,713
−HK$451/mo
Today · 4.125%
HK$15,164
baseline
▲ 0.50% · 4.625%
HK$16,087
+HK$923/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,328/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,875
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,301
−HK$431/mo
Today · 4.125%
HK$16,732
baseline
▲ 0.50% · 4.625%
HK$17,614
+HK$882/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,464/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,124
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,656
−HK$541/mo
Today · 4.125%
HK$18,197
baseline
▲ 0.50% · 4.625%
HK$19,305
+HK$1,108/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,394/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,050
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,561
−HK$518/mo
Today · 4.125%
HK$20,079
baseline
▲ 0.50% · 4.625%
HK$21,137
+HK$1,058/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,158/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,977
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,599
−HK$631/mo
Today · 4.125%
HK$21,230
baseline
▲ 0.50% · 4.625%
HK$22,522
+HK$1,292/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,460/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,225
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,821
−HK$604/mo
Today · 4.125%
HK$23,425
baseline
▲ 0.50% · 4.625%
HK$24,660
+HK$1,235/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,850/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,685
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,484
−HK$812/mo
Today · 4.125%
HK$27,296
baseline
▲ 0.50% · 4.625%
HK$28,957
+HK$1,661/mo
Deposit HK$626K · loan HK$5.63M · min. income ≈ HK$54,592/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$160,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,575
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,341
−HK$777/mo
Today · 4.125%
HK$30,118
baseline
▲ 0.50% · 4.625%
HK$31,706
+HK$1,588/mo
Deposit HK$626K · loan HK$5.63M · min. income ≈ HK$60,236/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$160,790 · 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).