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$14,252
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,696
−HK$450/mo
Today · 4.125%
HK$15,146
baseline
▲ 0.50% · 4.625%
HK$16,068
+HK$922/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,292/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,856
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,281
−HK$431/mo
Today · 4.125%
HK$16,712
baseline
▲ 0.50% · 4.625%
HK$17,593
+HK$881/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,424/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,103
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,635
−HK$540/mo
Today · 4.125%
HK$18,175
baseline
▲ 0.50% · 4.625%
HK$19,281
+HK$1,106/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,350/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,027
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,537
−HK$518/mo
Today · 4.125%
HK$20,055
baseline
▲ 0.50% · 4.625%
HK$21,112
+HK$1,057/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,110/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,953
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,574
−HK$630/mo
Today · 4.125%
HK$21,204
baseline
▲ 0.50% · 4.625%
HK$22,495
+HK$1,291/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,408/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,198
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,793
−HK$604/mo
Today · 4.125%
HK$23,397
baseline
▲ 0.50% · 4.625%
HK$24,630
+HK$1,233/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,794/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,654
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,452
−HK$811/mo
Today · 4.125%
HK$27,263
baseline
▲ 0.50% · 4.625%
HK$28,922
+HK$1,659/mo
Deposit HK$625K · loan HK$5.63M · min. income ≈ HK$54,526/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$160,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,540
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,305
−HK$777/mo
Today · 4.125%
HK$30,082
baseline
▲ 0.50% · 4.625%
HK$31,668
+HK$1,586/mo
Deposit HK$625K · loan HK$5.63M · min. income ≈ HK$60,164/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$160,032 · 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).