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$14,255
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,699
−HK$450/mo
Today · 4.125%
HK$15,149
baseline
▲ 0.50% · 4.625%
HK$16,071
+HK$922/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,298/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,859
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,284
−HK$432/mo
Today · 4.125%
HK$16,716
baseline
▲ 0.50% · 4.625%
HK$17,597
+HK$881/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,432/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,106
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,638
−HK$541/mo
Today · 4.125%
HK$18,179
baseline
▲ 0.50% · 4.625%
HK$19,285
+HK$1,106/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,358/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,030
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,541
−HK$518/mo
Today · 4.125%
HK$20,059
baseline
▲ 0.50% · 4.625%
HK$21,116
+HK$1,057/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,118/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,957
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,578
−HK$631/mo
Today · 4.125%
HK$21,209
baseline
▲ 0.50% · 4.625%
HK$22,499
+HK$1,290/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,418/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,202
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,798
−HK$604/mo
Today · 4.125%
HK$23,402
baseline
▲ 0.50% · 4.625%
HK$24,635
+HK$1,233/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,804/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,659
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,457
−HK$811/mo
Today · 4.125%
HK$27,268
baseline
▲ 0.50% · 4.625%
HK$28,928
+HK$1,660/mo
Deposit HK$625K · loan HK$5.63M · min. income ≈ HK$54,536/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$160,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,546
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,311
−HK$777/mo
Today · 4.125%
HK$30,088
baseline
▲ 0.50% · 4.625%
HK$31,674
+HK$1,586/mo
Deposit HK$625K · loan HK$5.63M · min. income ≈ HK$60,176/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$160,157 · 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).