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$14,119
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,558
−HK$446/mo
Today · 4.125%
HK$15,004
baseline
▲ 0.50% · 4.625%
HK$15,917
+HK$913/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,008/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,707
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,128
−HK$427/mo
Today · 4.125%
HK$16,555
baseline
▲ 0.50% · 4.625%
HK$17,428
+HK$873/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,110/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,942
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,469
−HK$536/mo
Today · 4.125%
HK$18,005
baseline
▲ 0.50% · 4.625%
HK$19,100
+HK$1,095/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,010/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,848
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,354
−HK$512/mo
Today · 4.125%
HK$19,866
baseline
▲ 0.50% · 4.625%
HK$20,914
+HK$1,048/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,732/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,766
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,381
−HK$625/mo
Today · 4.125%
HK$21,006
baseline
▲ 0.50% · 4.625%
HK$22,284
+HK$1,278/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$42,012/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,990
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,579
−HK$599/mo
Today · 4.125%
HK$23,178
baseline
▲ 0.50% · 4.625%
HK$24,399
+HK$1,221/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$46,356/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,413
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,204
−HK$803/mo
Today · 4.125%
HK$27,007
baseline
▲ 0.50% · 4.625%
HK$28,650
+HK$1,643/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$54,014/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$154,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,272
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,030
−HK$770/mo
Today · 4.125%
HK$29,800
baseline
▲ 0.50% · 4.625%
HK$31,370
+HK$1,570/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$59,600/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$154,168 · 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).