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$14,135
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,575
−HK$447/mo
Today · 4.125%
HK$15,022
baseline
▲ 0.50% · 4.625%
HK$15,936
+HK$914/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,044/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,726
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,147
−HK$428/mo
Today · 4.125%
HK$16,575
baseline
▲ 0.50% · 4.625%
HK$17,449
+HK$874/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,150/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,963
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,490
−HK$536/mo
Today · 4.125%
HK$18,026
baseline
▲ 0.50% · 4.625%
HK$19,123
+HK$1,097/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,052/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,871
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,377
−HK$513/mo
Today · 4.125%
HK$19,890
baseline
▲ 0.50% · 4.625%
HK$20,939
+HK$1,049/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,780/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,790
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,405
−HK$626/mo
Today · 4.125%
HK$21,031
baseline
▲ 0.50% · 4.625%
HK$22,310
+HK$1,279/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,062/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,016
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,606
−HK$599/mo
Today · 4.125%
HK$23,205
baseline
▲ 0.50% · 4.625%
HK$24,428
+HK$1,223/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,410/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,444
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,235
−HK$804/mo
Today · 4.125%
HK$27,039
baseline
▲ 0.50% · 4.625%
HK$28,685
+HK$1,646/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$54,078/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$154,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,306
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,065
−HK$770/mo
Today · 4.125%
HK$29,835
baseline
▲ 0.50% · 4.625%
HK$31,408
+HK$1,573/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$59,670/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$154,905 · 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).