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$14,156
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,596
−HK$448/mo
Today · 4.125%
HK$15,044
baseline
▲ 0.50% · 4.625%
HK$15,959
+HK$915/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,088/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,748
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,171
−HK$428/mo
Today · 4.125%
HK$16,599
baseline
▲ 0.50% · 4.625%
HK$17,474
+HK$875/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,198/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,987
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,516
−HK$536/mo
Today · 4.125%
HK$18,052
baseline
▲ 0.50% · 4.625%
HK$19,151
+HK$1,099/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,104/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,898
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,405
−HK$514/mo
Today · 4.125%
HK$19,919
baseline
▲ 0.50% · 4.625%
HK$20,969
+HK$1,050/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,838/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,818
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,435
−HK$626/mo
Today · 4.125%
HK$21,061
baseline
▲ 0.50% · 4.625%
HK$22,343
+HK$1,282/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$42,122/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,048
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,639
−HK$600/mo
Today · 4.125%
HK$23,239
baseline
▲ 0.50% · 4.625%
HK$24,464
+HK$1,225/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$46,478/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,481
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,273
−HK$806/mo
Today · 4.125%
HK$27,079
baseline
▲ 0.50% · 4.625%
HK$28,726
+HK$1,647/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$54,158/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$155,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,347
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,107
−HK$772/mo
Today · 4.125%
HK$29,879
baseline
▲ 0.50% · 4.625%
HK$31,453
+HK$1,574/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$59,758/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$155,805 · 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).