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$14,262
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,706
−HK$451/mo
Today · 4.125%
HK$15,157
baseline
▲ 0.50% · 4.625%
HK$16,079
+HK$922/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$160,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,867
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,292
−HK$432/mo
Today · 4.125%
HK$16,724
baseline
▲ 0.50% · 4.625%
HK$17,606
+HK$882/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,448/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,115
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,647
−HK$541/mo
Today · 4.125%
HK$18,188
baseline
▲ 0.50% · 4.625%
HK$19,295
+HK$1,107/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,376/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,040
−HK$1,029/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$160,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,967
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,588
−HK$631/mo
Today · 4.125%
HK$21,219
baseline
▲ 0.50% · 4.625%
HK$22,511
+HK$1,292/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,438/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,213
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,809
−HK$605/mo
Today · 4.125%
HK$23,414
baseline
▲ 0.50% · 4.625%
HK$24,648
+HK$1,234/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$160,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,672
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,471
−HK$811/mo
Today · 4.125%
HK$27,282
baseline
▲ 0.50% · 4.625%
HK$28,942
+HK$1,660/mo
Deposit HK$625K · loan HK$5.63M · min. income ≈ HK$54,564/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$160,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,560
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,326
−HK$777/mo
Today · 4.125%
HK$30,103
baseline
▲ 0.50% · 4.625%
HK$31,690
+HK$1,587/mo
Deposit HK$625K · loan HK$5.63M · min. income ≈ HK$60,206/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$160,473 · 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).