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$14,254
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,697
−HK$450/mo
Today · 4.125%
HK$15,147
baseline
▲ 0.50% · 4.625%
HK$16,069
+HK$922/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,294/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,857
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,282
−HK$432/mo
Today · 4.125%
HK$16,714
baseline
▲ 0.50% · 4.625%
HK$17,595
+HK$881/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,428/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,104
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,636
−HK$541/mo
Today · 4.125%
HK$18,177
baseline
▲ 0.50% · 4.625%
HK$19,283
+HK$1,106/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,354/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,028
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,539
−HK$517/mo
Today · 4.125%
HK$20,056
baseline
▲ 0.50% · 4.625%
HK$21,114
+HK$1,058/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,112/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,955
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,576
−HK$630/mo
Today · 4.125%
HK$21,206
baseline
▲ 0.50% · 4.625%
HK$22,497
+HK$1,291/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,412/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,200
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,795
−HK$604/mo
Today · 4.125%
HK$23,399
baseline
▲ 0.50% · 4.625%
HK$24,633
+HK$1,234/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,798/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,657
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,455
−HK$810/mo
Today · 4.125%
HK$27,265
baseline
▲ 0.50% · 4.625%
HK$28,924
+HK$1,659/mo
Deposit HK$625K · loan HK$5.63M · min. income ≈ HK$54,530/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$160,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,543
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,308
−HK$777/mo
Today · 4.125%
HK$30,085
baseline
▲ 0.50% · 4.625%
HK$31,671
+HK$1,586/mo
Deposit HK$625K · loan HK$5.63M · min. income ≈ HK$60,170/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$160,090 · 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).