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$14,152
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,593
−HK$447/mo
Today · 4.125%
HK$15,040
baseline
▲ 0.50% · 4.625%
HK$15,955
+HK$915/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,080/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,744
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,167
−HK$428/mo
Today · 4.125%
HK$16,595
baseline
▲ 0.50% · 4.625%
HK$17,470
+HK$875/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,190/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,983
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,511
−HK$537/mo
Today · 4.125%
HK$18,048
baseline
▲ 0.50% · 4.625%
HK$19,146
+HK$1,098/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,096/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,893
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,400
−HK$514/mo
Today · 4.125%
HK$19,914
baseline
▲ 0.50% · 4.625%
HK$20,964
+HK$1,050/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,828/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,813
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,430
−HK$626/mo
Today · 4.125%
HK$21,056
baseline
▲ 0.50% · 4.625%
HK$22,337
+HK$1,281/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,112/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,042
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,633
−HK$600/mo
Today · 4.125%
HK$23,233
baseline
▲ 0.50% · 4.625%
HK$24,457
+HK$1,224/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,466/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,474
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,267
−HK$805/mo
Today · 4.125%
HK$27,072
baseline
▲ 0.50% · 4.625%
HK$28,719
+HK$1,647/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$54,144/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$155,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,340
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,100
−HK$771/mo
Today · 4.125%
HK$29,871
baseline
▲ 0.50% · 4.625%
HK$31,445
+HK$1,574/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$59,742/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$155,645 · 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).