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$886/mo
▼ 0.25% · 3.875%
HK$14,572
−HK$447/mo
Today · 4.125%
HK$15,019
baseline
▲ 0.50% · 4.625%
HK$15,933
+HK$914/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,038/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,722
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,144
−HK$428/mo
Today · 4.125%
HK$16,572
baseline
▲ 0.50% · 4.625%
HK$17,445
+HK$873/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,144/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,959
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,487
−HK$536/mo
Today · 4.125%
HK$18,023
baseline
▲ 0.50% · 4.625%
HK$19,119
+HK$1,096/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$154,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,867
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,373
−HK$513/mo
Today · 4.125%
HK$19,886
baseline
▲ 0.50% · 4.625%
HK$20,934
+HK$1,048/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,772/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,786
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,401
−HK$625/mo
Today · 4.125%
HK$21,026
baseline
▲ 0.50% · 4.625%
HK$22,306
+HK$1,280/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,052/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,011
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,602
−HK$598/mo
Today · 4.125%
HK$23,200
baseline
▲ 0.50% · 4.625%
HK$24,423
+HK$1,223/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,400/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,439
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,230
−HK$804/mo
Today · 4.125%
HK$27,034
baseline
▲ 0.50% · 4.625%
HK$28,679
+HK$1,645/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$54,068/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$154,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,300
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,059
−HK$770/mo
Today · 4.125%
HK$29,829
baseline
▲ 0.50% · 4.625%
HK$31,402
+HK$1,573/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$59,658/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$154,780 · 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).