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$14,268
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,712
−HK$451/mo
Today · 4.125%
HK$15,163
baseline
▲ 0.50% · 4.625%
HK$16,086
+HK$923/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,326/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,873
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,299
−HK$432/mo
Today · 4.125%
HK$16,731
baseline
▲ 0.50% · 4.625%
HK$17,613
+HK$882/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,462/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,122
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,654
−HK$541/mo
Today · 4.125%
HK$18,195
baseline
▲ 0.50% · 4.625%
HK$19,303
+HK$1,108/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,390/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,048
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,559
−HK$518/mo
Today · 4.125%
HK$20,077
baseline
▲ 0.50% · 4.625%
HK$21,135
+HK$1,058/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,154/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,975
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,597
−HK$631/mo
Today · 4.125%
HK$21,228
baseline
▲ 0.50% · 4.625%
HK$22,520
+HK$1,292/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,456/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,222
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,818
−HK$605/mo
Today · 4.125%
HK$23,423
baseline
▲ 0.50% · 4.625%
HK$24,658
+HK$1,235/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,846/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,683
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,482
−HK$811/mo
Today · 4.125%
HK$27,293
baseline
▲ 0.50% · 4.625%
HK$28,954
+HK$1,661/mo
Deposit HK$626K · loan HK$5.63M · min. income ≈ HK$54,586/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$160,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,572
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,338
−HK$777/mo
Today · 4.125%
HK$30,115
baseline
▲ 0.50% · 4.625%
HK$31,703
+HK$1,588/mo
Deposit HK$626K · loan HK$5.63M · min. income ≈ HK$60,230/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$160,726 · 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).