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$14,122
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,562
−HK$446/mo
Today · 4.125%
HK$15,008
baseline
▲ 0.50% · 4.625%
HK$15,921
+HK$913/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,016/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,711
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,132
−HK$428/mo
Today · 4.125%
HK$16,560
baseline
▲ 0.50% · 4.625%
HK$17,433
+HK$873/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,120/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,947
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,474
−HK$535/mo
Today · 4.125%
HK$18,009
baseline
▲ 0.50% · 4.625%
HK$19,105
+HK$1,096/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,018/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,853
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,359
−HK$513/mo
Today · 4.125%
HK$19,872
baseline
▲ 0.50% · 4.625%
HK$20,919
+HK$1,047/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,744/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,771
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,386
−HK$625/mo
Today · 4.125%
HK$21,011
baseline
▲ 0.50% · 4.625%
HK$22,290
+HK$1,279/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,022/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,995
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,585
−HK$599/mo
Today · 4.125%
HK$23,184
baseline
▲ 0.50% · 4.625%
HK$24,406
+HK$1,222/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,368/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,420
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,211
−HK$803/mo
Today · 4.125%
HK$27,014
baseline
▲ 0.50% · 4.625%
HK$28,658
+HK$1,644/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$54,028/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$154,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,280
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,038
−HK$770/mo
Today · 4.125%
HK$29,808
baseline
▲ 0.50% · 4.625%
HK$31,379
+HK$1,571/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$59,616/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$154,331 · 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).