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$14,260
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,703
−HK$451/mo
Today · 4.125%
HK$15,154
baseline
▲ 0.50% · 4.625%
HK$16,076
+HK$922/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,308/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,864
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,289
−HK$432/mo
Today · 4.125%
HK$16,721
baseline
▲ 0.50% · 4.625%
HK$17,602
+HK$881/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,442/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,111
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,644
−HK$541/mo
Today · 4.125%
HK$18,185
baseline
▲ 0.50% · 4.625%
HK$19,291
+HK$1,106/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,370/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,036
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,547
−HK$518/mo
Today · 4.125%
HK$20,065
baseline
▲ 0.50% · 4.625%
HK$21,122
+HK$1,057/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,130/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,963
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,584
−HK$631/mo
Today · 4.125%
HK$21,215
baseline
▲ 0.50% · 4.625%
HK$22,506
+HK$1,291/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,430/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,209
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,805
−HK$604/mo
Today · 4.125%
HK$23,409
baseline
▲ 0.50% · 4.625%
HK$24,643
+HK$1,234/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,818/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,667
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,466
−HK$811/mo
Today · 4.125%
HK$27,277
baseline
▲ 0.50% · 4.625%
HK$28,936
+HK$1,659/mo
Deposit HK$625K · loan HK$5.63M · min. income ≈ HK$54,554/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$160,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,555
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,320
−HK$777/mo
Today · 4.125%
HK$30,097
baseline
▲ 0.50% · 4.625%
HK$31,684
+HK$1,587/mo
Deposit HK$625K · loan HK$5.63M · min. income ≈ HK$60,194/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$160,349 · 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).