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$14,274
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,718
−HK$451/mo
Today · 4.125%
HK$15,169
baseline
▲ 0.50% · 4.625%
HK$16,092
+HK$923/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,338/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,880
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,306
−HK$432/mo
Today · 4.125%
HK$16,738
baseline
▲ 0.50% · 4.625%
HK$17,620
+HK$882/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,476/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,129
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,662
−HK$541/mo
Today · 4.125%
HK$18,203
baseline
▲ 0.50% · 4.625%
HK$19,311
+HK$1,108/mo
Deposit HK$2.50M · loan HK$3.76M · min. income ≈ HK$36,406/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,056
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,567
−HK$518/mo
Today · 4.125%
HK$20,085
baseline
▲ 0.50% · 4.625%
HK$21,144
+HK$1,059/mo
Deposit HK$2.50M · loan HK$3.76M · min. income ≈ HK$40,170/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,984
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,605
−HK$632/mo
Today · 4.125%
HK$21,237
baseline
▲ 0.50% · 4.625%
HK$22,529
+HK$1,292/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,474/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,232
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,828
−HK$605/mo
Today · 4.125%
HK$23,433
baseline
▲ 0.50% · 4.625%
HK$24,668
+HK$1,235/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,866/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,693
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,493
−HK$812/mo
Today · 4.125%
HK$27,305
baseline
▲ 0.50% · 4.625%
HK$28,966
+HK$1,661/mo
Deposit HK$626K · loan HK$5.63M · min. income ≈ HK$54,610/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$160,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,584
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,350
−HK$778/mo
Today · 4.125%
HK$30,128
baseline
▲ 0.50% · 4.625%
HK$31,716
+HK$1,588/mo
Deposit HK$626K · loan HK$5.63M · min. income ≈ HK$60,256/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$160,985 · 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).