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$14,134
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,574
−HK$446/mo
Today · 4.125%
HK$15,020
baseline
▲ 0.50% · 4.625%
HK$15,934
+HK$914/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,040/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,724
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,146
−HK$427/mo
Today · 4.125%
HK$16,573
baseline
▲ 0.50% · 4.625%
HK$17,447
+HK$874/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,146/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,961
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,488
−HK$536/mo
Today · 4.125%
HK$18,024
baseline
▲ 0.50% · 4.625%
HK$19,121
+HK$1,097/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,048/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,869
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,375
−HK$513/mo
Today · 4.125%
HK$19,888
baseline
▲ 0.50% · 4.625%
HK$20,937
+HK$1,049/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,776/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,788
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,403
−HK$626/mo
Today · 4.125%
HK$21,029
baseline
▲ 0.50% · 4.625%
HK$22,308
+HK$1,279/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,058/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,014
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,604
−HK$599/mo
Today · 4.125%
HK$23,203
baseline
▲ 0.50% · 4.625%
HK$24,426
+HK$1,223/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,406/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,441
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,233
−HK$804/mo
Today · 4.125%
HK$27,037
baseline
▲ 0.50% · 4.625%
HK$28,682
+HK$1,645/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$54,074/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$154,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,303
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,062
−HK$770/mo
Today · 4.125%
HK$29,832
baseline
▲ 0.50% · 4.625%
HK$31,405
+HK$1,573/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$59,664/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$154,844 · 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).