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$14,275
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,719
−HK$451/mo
Today · 4.125%
HK$15,170
baseline
▲ 0.50% · 4.625%
HK$16,093
+HK$923/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,340/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,880
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,306
−HK$432/mo
Today · 4.125%
HK$16,738
baseline
▲ 0.50% · 4.625%
HK$17,621
+HK$883/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,476/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,130
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,662
−HK$542/mo
Today · 4.125%
HK$18,204
baseline
▲ 0.50% · 4.625%
HK$19,311
+HK$1,107/mo
Deposit HK$2.50M · loan HK$3.76M · min. income ≈ HK$36,408/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,056
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,568
−HK$518/mo
Today · 4.125%
HK$20,086
baseline
▲ 0.50% · 4.625%
HK$21,145
+HK$1,059/mo
Deposit HK$2.50M · loan HK$3.76M · min. income ≈ HK$40,172/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,985
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,606
−HK$632/mo
Today · 4.125%
HK$21,238
baseline
▲ 0.50% · 4.625%
HK$22,530
+HK$1,292/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,476/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,233
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,829
−HK$605/mo
Today · 4.125%
HK$23,434
baseline
▲ 0.50% · 4.625%
HK$24,669
+HK$1,235/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,868/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,694
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,494
−HK$812/mo
Today · 4.125%
HK$27,306
baseline
▲ 0.50% · 4.625%
HK$28,967
+HK$1,661/mo
Deposit HK$626K · loan HK$5.63M · min. income ≈ HK$54,612/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$161,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,585
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,351
−HK$778/mo
Today · 4.125%
HK$30,129
baseline
▲ 0.50% · 4.625%
HK$31,717
+HK$1,588/mo
Deposit HK$626K · loan HK$5.63M · min. income ≈ HK$60,258/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$161,011 · 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).