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$14,279
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,723
−HK$451/mo
Today · 4.125%
HK$15,174
baseline
▲ 0.50% · 4.625%
HK$16,098
+HK$924/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,348/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,885
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,311
−HK$432/mo
Today · 4.125%
HK$16,743
baseline
▲ 0.50% · 4.625%
HK$17,626
+HK$883/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,486/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,135
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,668
−HK$541/mo
Today · 4.125%
HK$18,209
baseline
▲ 0.50% · 4.625%
HK$19,317
+HK$1,108/mo
Deposit HK$2.50M · loan HK$3.76M · min. income ≈ HK$36,418/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,062
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,573
−HK$519/mo
Today · 4.125%
HK$20,092
baseline
▲ 0.50% · 4.625%
HK$21,151
+HK$1,059/mo
Deposit HK$2.50M · loan HK$3.76M · min. income ≈ HK$40,184/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,990
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,612
−HK$632/mo
Today · 4.125%
HK$21,244
baseline
▲ 0.50% · 4.625%
HK$22,537
+HK$1,293/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,488/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,239
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,836
−HK$605/mo
Today · 4.125%
HK$23,441
baseline
▲ 0.50% · 4.625%
HK$24,676
+HK$1,235/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,882/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,702
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,502
−HK$812/mo
Today · 4.125%
HK$27,314
baseline
▲ 0.50% · 4.625%
HK$28,976
+HK$1,662/mo
Deposit HK$626K · loan HK$5.64M · min. income ≈ HK$54,628/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$161,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,593
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,360
−HK$778/mo
Today · 4.125%
HK$30,138
baseline
▲ 0.50% · 4.625%
HK$31,727
+HK$1,589/mo
Deposit HK$626K · loan HK$5.64M · min. income ≈ HK$60,276/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$161,199 · 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).