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$14,273
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,717
−HK$451/mo
Today · 4.125%
HK$15,168
baseline
▲ 0.50% · 4.625%
HK$16,091
+HK$923/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,336/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,879
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,304
−HK$432/mo
Today · 4.125%
HK$16,736
baseline
▲ 0.50% · 4.625%
HK$17,619
+HK$883/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,472/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,128
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,660
−HK$542/mo
Today · 4.125%
HK$18,202
baseline
▲ 0.50% · 4.625%
HK$19,309
+HK$1,107/mo
Deposit HK$2.50M · loan HK$3.76M · min. income ≈ HK$36,404/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,054
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,565
−HK$519/mo
Today · 4.125%
HK$20,084
baseline
▲ 0.50% · 4.625%
HK$21,142
+HK$1,058/mo
Deposit HK$2.50M · loan HK$3.76M · min. income ≈ HK$40,168/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,982
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,604
−HK$631/mo
Today · 4.125%
HK$21,235
baseline
▲ 0.50% · 4.625%
HK$22,527
+HK$1,292/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,470/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,230
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,826
−HK$605/mo
Today · 4.125%
HK$23,431
baseline
▲ 0.50% · 4.625%
HK$24,666
+HK$1,235/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,862/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,691
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,490
−HK$812/mo
Today · 4.125%
HK$27,302
baseline
▲ 0.50% · 4.625%
HK$28,964
+HK$1,662/mo
Deposit HK$626K · loan HK$5.63M · min. income ≈ HK$54,604/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$160,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,581
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,348
−HK$777/mo
Today · 4.125%
HK$30,125
baseline
▲ 0.50% · 4.625%
HK$31,713
+HK$1,588/mo
Deposit HK$626K · loan HK$5.63M · min. income ≈ HK$60,250/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$160,937 · 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).