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$14,148
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,588
−HK$447/mo
Today · 4.125%
HK$15,035
baseline
▲ 0.50% · 4.625%
HK$15,950
+HK$915/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,070/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,739
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,161
−HK$429/mo
Today · 4.125%
HK$16,590
baseline
▲ 0.50% · 4.625%
HK$17,464
+HK$874/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,180/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,977
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,505
−HK$537/mo
Today · 4.125%
HK$18,042
baseline
▲ 0.50% · 4.625%
HK$19,140
+HK$1,098/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,084/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,887
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,394
−HK$514/mo
Today · 4.125%
HK$19,908
baseline
▲ 0.50% · 4.625%
HK$20,957
+HK$1,049/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,816/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,807
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,423
−HK$626/mo
Today · 4.125%
HK$21,049
baseline
▲ 0.50% · 4.625%
HK$22,330
+HK$1,281/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,098/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,035
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,626
−HK$599/mo
Today · 4.125%
HK$23,225
baseline
▲ 0.50% · 4.625%
HK$24,450
+HK$1,225/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,450/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,466
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,258
−HK$805/mo
Today · 4.125%
HK$27,063
baseline
▲ 0.50% · 4.625%
HK$28,710
+HK$1,647/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$54,126/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$155,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,331
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,090
−HK$771/mo
Today · 4.125%
HK$29,861
baseline
▲ 0.50% · 4.625%
HK$31,435
+HK$1,574/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$59,722/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$155,448 · 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).