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$14,145
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,585
−HK$447/mo
Today · 4.125%
HK$15,032
baseline
▲ 0.50% · 4.625%
HK$15,946
+HK$914/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,064/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,736
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,158
−HK$428/mo
Today · 4.125%
HK$16,586
baseline
▲ 0.50% · 4.625%
HK$17,460
+HK$874/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,172/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,974
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,502
−HK$536/mo
Today · 4.125%
HK$18,038
baseline
▲ 0.50% · 4.625%
HK$19,136
+HK$1,098/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,076/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,883
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,390
−HK$513/mo
Today · 4.125%
HK$19,903
baseline
▲ 0.50% · 4.625%
HK$20,953
+HK$1,050/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,806/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,803
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,419
−HK$626/mo
Today · 4.125%
HK$21,045
baseline
▲ 0.50% · 4.625%
HK$22,325
+HK$1,280/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,090/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,030
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,621
−HK$600/mo
Today · 4.125%
HK$23,221
baseline
▲ 0.50% · 4.625%
HK$24,445
+HK$1,224/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,442/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,461
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,253
−HK$804/mo
Today · 4.125%
HK$27,057
baseline
▲ 0.50% · 4.625%
HK$28,704
+HK$1,647/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$54,114/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$155,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,325
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,084
−HK$771/mo
Today · 4.125%
HK$29,855
baseline
▲ 0.50% · 4.625%
HK$31,429
+HK$1,574/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$59,710/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$155,318 · 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).