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$14,269
−HK$894/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$160,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,874
−HK$857/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$160,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,122
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,655
−HK$541/mo
Today · 4.125%
HK$18,196
baseline
▲ 0.50% · 4.625%
HK$19,303
+HK$1,107/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,392/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,048
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,559
−HK$519/mo
Today · 4.125%
HK$20,078
baseline
▲ 0.50% · 4.625%
HK$21,136
+HK$1,058/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,156/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,976
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,597
−HK$632/mo
Today · 4.125%
HK$21,229
baseline
▲ 0.50% · 4.625%
HK$22,520
+HK$1,291/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,458/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,223
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,819
−HK$605/mo
Today · 4.125%
HK$23,424
baseline
▲ 0.50% · 4.625%
HK$24,658
+HK$1,234/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,848/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,683
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,482
−HK$812/mo
Today · 4.125%
HK$27,294
baseline
▲ 0.50% · 4.625%
HK$28,955
+HK$1,661/mo
Deposit HK$626K · loan HK$5.63M · min. income ≈ HK$54,588/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$160,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,573
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,339
−HK$777/mo
Today · 4.125%
HK$30,116
baseline
▲ 0.50% · 4.625%
HK$31,704
+HK$1,588/mo
Deposit HK$626K · loan HK$5.63M · min. income ≈ HK$60,232/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$160,746 · 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).