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$14,124
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,563
−HK$446/mo
Today · 4.125%
HK$15,009
baseline
▲ 0.50% · 4.625%
HK$15,923
+HK$914/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,018/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,713
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,134
−HK$427/mo
Today · 4.125%
HK$16,561
baseline
▲ 0.50% · 4.625%
HK$17,434
+HK$873/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,122/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,948
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,476
−HK$535/mo
Today · 4.125%
HK$18,011
baseline
▲ 0.50% · 4.625%
HK$19,107
+HK$1,096/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,022/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,855
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,361
−HK$513/mo
Today · 4.125%
HK$19,874
baseline
▲ 0.50% · 4.625%
HK$20,921
+HK$1,047/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,748/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,773
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,388
−HK$625/mo
Today · 4.125%
HK$21,013
baseline
▲ 0.50% · 4.625%
HK$22,292
+HK$1,279/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,026/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,998
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,587
−HK$599/mo
Today · 4.125%
HK$23,186
baseline
▲ 0.50% · 4.625%
HK$24,408
+HK$1,222/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,372/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,423
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,214
−HK$803/mo
Today · 4.125%
HK$27,017
baseline
▲ 0.50% · 4.625%
HK$28,661
+HK$1,644/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$54,034/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$154,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,283
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,041
−HK$770/mo
Today · 4.125%
HK$29,811
baseline
▲ 0.50% · 4.625%
HK$31,382
+HK$1,571/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$59,622/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$154,393 · 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).