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$14,278
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,722
−HK$451/mo
Today · 4.125%
HK$15,173
baseline
▲ 0.50% · 4.625%
HK$16,097
+HK$924/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,346/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,884
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,310
−HK$432/mo
Today · 4.125%
HK$16,742
baseline
▲ 0.50% · 4.625%
HK$17,625
+HK$883/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,484/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,134
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,667
−HK$541/mo
Today · 4.125%
HK$18,208
baseline
▲ 0.50% · 4.625%
HK$19,316
+HK$1,108/mo
Deposit HK$2.50M · loan HK$3.76M · min. income ≈ HK$36,416/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,061
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,572
−HK$519/mo
Today · 4.125%
HK$20,091
baseline
▲ 0.50% · 4.625%
HK$21,150
+HK$1,059/mo
Deposit HK$2.50M · loan HK$3.76M · min. income ≈ HK$40,182/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,989
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,611
−HK$632/mo
Today · 4.125%
HK$21,243
baseline
▲ 0.50% · 4.625%
HK$22,535
+HK$1,292/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,486/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,238
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,834
−HK$605/mo
Today · 4.125%
HK$23,439
baseline
▲ 0.50% · 4.625%
HK$24,675
+HK$1,236/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,878/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,701
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,500
−HK$812/mo
Today · 4.125%
HK$27,312
baseline
▲ 0.50% · 4.625%
HK$28,974
+HK$1,662/mo
Deposit HK$626K · loan HK$5.64M · min. income ≈ HK$54,624/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$161,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,592
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,358
−HK$778/mo
Today · 4.125%
HK$30,136
baseline
▲ 0.50% · 4.625%
HK$31,725
+HK$1,589/mo
Deposit HK$626K · loan HK$5.64M · min. income ≈ HK$60,272/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$161,162 · 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).