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$14,148
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,588
−HK$447/mo
Today · 4.125%
HK$15,035
baseline
▲ 0.50% · 4.625%
HK$15,950
+HK$915/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,070/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,740
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,162
−HK$428/mo
Today · 4.125%
HK$16,590
baseline
▲ 0.50% · 4.625%
HK$17,465
+HK$875/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,180/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,978
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,506
−HK$537/mo
Today · 4.125%
HK$18,043
baseline
▲ 0.50% · 4.625%
HK$19,140
+HK$1,097/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,086/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,888
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,394
−HK$514/mo
Today · 4.125%
HK$19,908
baseline
▲ 0.50% · 4.625%
HK$20,958
+HK$1,050/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,816/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,807
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,424
−HK$626/mo
Today · 4.125%
HK$21,050
baseline
▲ 0.50% · 4.625%
HK$22,330
+HK$1,280/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,100/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,036
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,627
−HK$599/mo
Today · 4.125%
HK$23,226
baseline
▲ 0.50% · 4.625%
HK$24,450
+HK$1,224/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,452/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,467
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,259
−HK$805/mo
Today · 4.125%
HK$27,064
baseline
▲ 0.50% · 4.625%
HK$28,711
+HK$1,647/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$54,128/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$155,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,332
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,091
−HK$771/mo
Today · 4.125%
HK$29,862
baseline
▲ 0.50% · 4.625%
HK$31,436
+HK$1,574/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$59,724/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$155,466 · 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).