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$14,141
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,581
−HK$447/mo
Today · 4.125%
HK$15,028
baseline
▲ 0.50% · 4.625%
HK$15,942
+HK$914/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,056/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,732
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,154
−HK$428/mo
Today · 4.125%
HK$16,582
baseline
▲ 0.50% · 4.625%
HK$17,456
+HK$874/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,164/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,970
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,497
−HK$537/mo
Today · 4.125%
HK$18,034
baseline
▲ 0.50% · 4.625%
HK$19,131
+HK$1,097/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,068/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,878
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,385
−HK$513/mo
Today · 4.125%
HK$19,898
baseline
▲ 0.50% · 4.625%
HK$20,947
+HK$1,049/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,796/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,798
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,414
−HK$625/mo
Today · 4.125%
HK$21,039
baseline
▲ 0.50% · 4.625%
HK$22,319
+HK$1,280/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,078/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,025
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,616
−HK$599/mo
Today · 4.125%
HK$23,215
baseline
▲ 0.50% · 4.625%
HK$24,438
+HK$1,223/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,430/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,454
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,246
−HK$805/mo
Today · 4.125%
HK$27,051
baseline
▲ 0.50% · 4.625%
HK$28,696
+HK$1,645/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$54,102/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$155,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,318
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,077
−HK$771/mo
Today · 4.125%
HK$29,848
baseline
▲ 0.50% · 4.625%
HK$31,421
+HK$1,573/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$59,696/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$155,162 · 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).