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$14,280
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,724
−HK$451/mo
Today · 4.125%
HK$15,175
baseline
▲ 0.50% · 4.625%
HK$16,098
+HK$923/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,350/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,886
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,312
−HK$432/mo
Today · 4.125%
HK$16,744
baseline
▲ 0.50% · 4.625%
HK$17,627
+HK$883/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,488/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,135
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,668
−HK$542/mo
Today · 4.125%
HK$18,210
baseline
▲ 0.50% · 4.625%
HK$19,318
+HK$1,108/mo
Deposit HK$2.50M · loan HK$3.76M · min. income ≈ HK$36,420/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,063
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,574
−HK$519/mo
Today · 4.125%
HK$20,093
baseline
▲ 0.50% · 4.625%
HK$21,152
+HK$1,059/mo
Deposit HK$2.50M · loan HK$3.76M · min. income ≈ HK$40,186/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,991
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,613
−HK$632/mo
Today · 4.125%
HK$21,245
baseline
▲ 0.50% · 4.625%
HK$22,538
+HK$1,293/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,490/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,240
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,837
−HK$605/mo
Today · 4.125%
HK$23,442
baseline
▲ 0.50% · 4.625%
HK$24,677
+HK$1,235/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,884/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,703
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,503
−HK$812/mo
Today · 4.125%
HK$27,315
baseline
▲ 0.50% · 4.625%
HK$28,977
+HK$1,662/mo
Deposit HK$626K · loan HK$5.64M · min. income ≈ HK$54,630/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$161,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,594
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,361
−HK$778/mo
Today · 4.125%
HK$30,139
baseline
▲ 0.50% · 4.625%
HK$31,728
+HK$1,589/mo
Deposit HK$626K · loan HK$5.64M · min. income ≈ HK$60,278/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$161,224 · 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).