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$14,144
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,584
−HK$447/mo
Today · 4.125%
HK$15,031
baseline
▲ 0.50% · 4.625%
HK$15,946
+HK$915/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,062/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,735
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,157
−HK$428/mo
Today · 4.125%
HK$16,585
baseline
▲ 0.50% · 4.625%
HK$17,459
+HK$874/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,170/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,973
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,501
−HK$536/mo
Today · 4.125%
HK$18,037
baseline
▲ 0.50% · 4.625%
HK$19,135
+HK$1,098/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,074/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,882
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,388
−HK$514/mo
Today · 4.125%
HK$19,902
baseline
▲ 0.50% · 4.625%
HK$20,951
+HK$1,049/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,804/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,802
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,418
−HK$625/mo
Today · 4.125%
HK$21,043
baseline
▲ 0.50% · 4.625%
HK$22,324
+HK$1,281/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,086/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,029
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,620
−HK$599/mo
Today · 4.125%
HK$23,219
baseline
▲ 0.50% · 4.625%
HK$24,443
+HK$1,224/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,438/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,459
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,251
−HK$805/mo
Today · 4.125%
HK$27,056
baseline
▲ 0.50% · 4.625%
HK$28,702
+HK$1,646/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$54,112/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$155,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,323
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,083
−HK$770/mo
Today · 4.125%
HK$29,853
baseline
▲ 0.50% · 4.625%
HK$31,427
+HK$1,574/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$59,706/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$155,282 · 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).