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$14,117
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,556
−HK$446/mo
Today · 4.125%
HK$15,002
baseline
▲ 0.50% · 4.625%
HK$15,915
+HK$913/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,004/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,705
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,126
−HK$427/mo
Today · 4.125%
HK$16,553
baseline
▲ 0.50% · 4.625%
HK$17,426
+HK$873/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,106/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,940
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,467
−HK$535/mo
Today · 4.125%
HK$18,002
baseline
▲ 0.50% · 4.625%
HK$19,098
+HK$1,096/mo
Deposit HK$2.48M · loan HK$3.71M · min. income ≈ HK$36,004/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,846
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,351
−HK$513/mo
Today · 4.125%
HK$19,864
baseline
▲ 0.50% · 4.625%
HK$20,911
+HK$1,047/mo
Deposit HK$2.48M · loan HK$3.71M · min. income ≈ HK$39,728/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,763
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,378
−HK$625/mo
Today · 4.125%
HK$21,003
baseline
▲ 0.50% · 4.625%
HK$22,281
+HK$1,278/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$42,006/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,987
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,576
−HK$598/mo
Today · 4.125%
HK$23,174
baseline
▲ 0.50% · 4.625%
HK$24,396
+HK$1,222/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$46,348/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,410
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,200
−HK$803/mo
Today · 4.125%
HK$27,003
baseline
▲ 0.50% · 4.625%
HK$28,647
+HK$1,644/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$54,006/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$154,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,268
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,027
−HK$769/mo
Today · 4.125%
HK$29,796
baseline
▲ 0.50% · 4.625%
HK$31,366
+HK$1,570/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$59,592/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$154,084 · 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).