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$14,271
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,715
−HK$451/mo
Today · 4.125%
HK$15,166
baseline
▲ 0.50% · 4.625%
HK$16,089
+HK$923/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,332/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,876
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,302
−HK$432/mo
Today · 4.125%
HK$16,734
baseline
▲ 0.50% · 4.625%
HK$17,616
+HK$882/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,468/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,125
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,658
−HK$541/mo
Today · 4.125%
HK$18,199
baseline
▲ 0.50% · 4.625%
HK$19,306
+HK$1,107/mo
Deposit HK$2.50M · loan HK$3.76M · min. income ≈ HK$36,398/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,051
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,562
−HK$519/mo
Today · 4.125%
HK$20,081
baseline
▲ 0.50% · 4.625%
HK$21,139
+HK$1,058/mo
Deposit HK$2.50M · loan HK$3.76M · min. income ≈ HK$40,162/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,979
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,601
−HK$631/mo
Today · 4.125%
HK$21,232
baseline
▲ 0.50% · 4.625%
HK$22,524
+HK$1,292/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,464/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,227
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,823
−HK$605/mo
Today · 4.125%
HK$23,428
baseline
▲ 0.50% · 4.625%
HK$24,662
+HK$1,234/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,856/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,688
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,487
−HK$811/mo
Today · 4.125%
HK$27,298
baseline
▲ 0.50% · 4.625%
HK$28,959
+HK$1,661/mo
Deposit HK$626K · loan HK$5.63M · min. income ≈ HK$54,596/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$160,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,577
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,344
−HK$777/mo
Today · 4.125%
HK$30,121
baseline
▲ 0.50% · 4.625%
HK$31,709
+HK$1,588/mo
Deposit HK$626K · loan HK$5.63M · min. income ≈ HK$60,242/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$160,845 · 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).