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$14,133
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,573
−HK$447/mo
Today · 4.125%
HK$15,020
baseline
▲ 0.50% · 4.625%
HK$15,933
+HK$913/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,040/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,723
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,145
−HK$428/mo
Today · 4.125%
HK$16,573
baseline
▲ 0.50% · 4.625%
HK$17,446
+HK$873/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,146/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,960
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,487
−HK$536/mo
Today · 4.125%
HK$18,023
baseline
▲ 0.50% · 4.625%
HK$19,120
+HK$1,097/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,046/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,868
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,374
−HK$513/mo
Today · 4.125%
HK$19,887
baseline
▲ 0.50% · 4.625%
HK$20,935
+HK$1,048/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,774/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,787
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,402
−HK$625/mo
Today · 4.125%
HK$21,027
baseline
▲ 0.50% · 4.625%
HK$22,307
+HK$1,280/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,054/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,012
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,603
−HK$599/mo
Today · 4.125%
HK$23,202
baseline
▲ 0.50% · 4.625%
HK$24,425
+HK$1,223/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,404/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,440
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,231
−HK$804/mo
Today · 4.125%
HK$27,035
baseline
▲ 0.50% · 4.625%
HK$28,680
+HK$1,645/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$54,070/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$154,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,302
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,061
−HK$770/mo
Today · 4.125%
HK$29,831
baseline
▲ 0.50% · 4.625%
HK$31,403
+HK$1,572/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$59,662/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$154,811 · 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).