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$14,150
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,590
−HK$447/mo
Today · 4.125%
HK$15,037
baseline
▲ 0.50% · 4.625%
HK$15,952
+HK$915/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,074/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,742
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,164
−HK$428/mo
Today · 4.125%
HK$16,592
baseline
▲ 0.50% · 4.625%
HK$17,467
+HK$875/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,184/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,980
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,508
−HK$537/mo
Today · 4.125%
HK$18,045
baseline
▲ 0.50% · 4.625%
HK$19,143
+HK$1,098/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,090/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,890
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,397
−HK$514/mo
Today · 4.125%
HK$19,911
baseline
▲ 0.50% · 4.625%
HK$20,960
+HK$1,049/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,822/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,810
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,426
−HK$626/mo
Today · 4.125%
HK$21,052
baseline
▲ 0.50% · 4.625%
HK$22,333
+HK$1,281/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,104/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,038
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,629
−HK$600/mo
Today · 4.125%
HK$23,229
baseline
▲ 0.50% · 4.625%
HK$24,453
+HK$1,224/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,458/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,470
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,262
−HK$805/mo
Today · 4.125%
HK$27,067
baseline
▲ 0.50% · 4.625%
HK$28,714
+HK$1,647/mo
Deposit HK$621K · loan HK$5.58M · min. income ≈ HK$54,134/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$155,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,335
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,095
−HK$771/mo
Today · 4.125%
HK$29,866
baseline
▲ 0.50% · 4.625%
HK$31,440
+HK$1,574/mo
Deposit HK$621K · loan HK$5.58M · min. income ≈ HK$59,732/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$155,542 · 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).