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$14,263
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,706
−HK$451/mo
Today · 4.125%
HK$15,157
baseline
▲ 0.50% · 4.625%
HK$16,080
+HK$923/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,314/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,867
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,293
−HK$432/mo
Today · 4.125%
HK$16,725
baseline
▲ 0.50% · 4.625%
HK$17,606
+HK$881/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,450/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,115
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,648
−HK$541/mo
Today · 4.125%
HK$18,189
baseline
▲ 0.50% · 4.625%
HK$19,295
+HK$1,106/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,378/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,041
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,551
−HK$518/mo
Today · 4.125%
HK$20,069
baseline
▲ 0.50% · 4.625%
HK$21,127
+HK$1,058/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,138/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,968
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,589
−HK$631/mo
Today · 4.125%
HK$21,220
baseline
▲ 0.50% · 4.625%
HK$22,511
+HK$1,291/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,440/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,214
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,810
−HK$604/mo
Today · 4.125%
HK$23,414
baseline
▲ 0.50% · 4.625%
HK$24,649
+HK$1,235/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,828/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,673
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,472
−HK$811/mo
Today · 4.125%
HK$27,283
baseline
▲ 0.50% · 4.625%
HK$28,943
+HK$1,660/mo
Deposit HK$625K · loan HK$5.63M · min. income ≈ HK$54,566/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$160,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,561
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,327
−HK$777/mo
Today · 4.125%
HK$30,104
baseline
▲ 0.50% · 4.625%
HK$31,691
+HK$1,587/mo
Deposit HK$625K · loan HK$5.63M · min. income ≈ HK$60,208/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$160,493 · 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).