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$14,278
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,722
−HK$451/mo
Today · 4.125%
HK$15,173
baseline
▲ 0.50% · 4.625%
HK$16,096
+HK$923/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,346/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,884
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,310
−HK$432/mo
Today · 4.125%
HK$16,742
baseline
▲ 0.50% · 4.625%
HK$17,625
+HK$883/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,484/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,133
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,666
−HK$542/mo
Today · 4.125%
HK$18,208
baseline
▲ 0.50% · 4.625%
HK$19,316
+HK$1,108/mo
Deposit HK$2.50M · loan HK$3.76M · min. income ≈ HK$36,416/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,061
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,572
−HK$518/mo
Today · 4.125%
HK$20,090
baseline
▲ 0.50% · 4.625%
HK$21,149
+HK$1,059/mo
Deposit HK$2.50M · loan HK$3.76M · min. income ≈ HK$40,180/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,989
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,611
−HK$631/mo
Today · 4.125%
HK$21,242
baseline
▲ 0.50% · 4.625%
HK$22,535
+HK$1,293/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,484/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,237
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,834
−HK$605/mo
Today · 4.125%
HK$23,439
baseline
▲ 0.50% · 4.625%
HK$24,674
+HK$1,235/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,878/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,700
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,499
−HK$813/mo
Today · 4.125%
HK$27,312
baseline
▲ 0.50% · 4.625%
HK$28,973
+HK$1,661/mo
Deposit HK$626K · loan HK$5.64M · min. income ≈ HK$54,624/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$161,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,591
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,358
−HK$778/mo
Today · 4.125%
HK$30,136
baseline
▲ 0.50% · 4.625%
HK$31,724
+HK$1,588/mo
Deposit HK$626K · loan HK$5.64M · min. income ≈ HK$60,272/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$161,148 · 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).