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$14,262
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,705
−HK$451/mo
Today · 4.125%
HK$15,156
baseline
▲ 0.50% · 4.625%
HK$16,078
+HK$922/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,312/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,866
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,292
−HK$431/mo
Today · 4.125%
HK$16,723
baseline
▲ 0.50% · 4.625%
HK$17,605
+HK$882/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,446/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,114
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,646
−HK$541/mo
Today · 4.125%
HK$18,187
baseline
▲ 0.50% · 4.625%
HK$19,294
+HK$1,107/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,374/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,039
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,550
−HK$518/mo
Today · 4.125%
HK$20,068
baseline
▲ 0.50% · 4.625%
HK$21,126
+HK$1,058/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,136/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,966
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,588
−HK$631/mo
Today · 4.125%
HK$21,219
baseline
▲ 0.50% · 4.625%
HK$22,510
+HK$1,291/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,438/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,212
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,808
−HK$605/mo
Today · 4.125%
HK$23,413
baseline
▲ 0.50% · 4.625%
HK$24,647
+HK$1,234/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,826/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,671
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,470
−HK$811/mo
Today · 4.125%
HK$27,281
baseline
▲ 0.50% · 4.625%
HK$28,941
+HK$1,660/mo
Deposit HK$625K · loan HK$5.63M · min. income ≈ HK$54,562/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$160,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,559
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,325
−HK$777/mo
Today · 4.125%
HK$30,102
baseline
▲ 0.50% · 4.625%
HK$31,689
+HK$1,587/mo
Deposit HK$625K · loan HK$5.63M · min. income ≈ HK$60,204/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$160,445 · 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).