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$886/mo
▼ 0.25% · 3.875%
HK$14,559
−HK$446/mo
Today · 4.125%
HK$15,005
baseline
▲ 0.50% · 4.625%
HK$15,918
+HK$913/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,010/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,708
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,129
−HK$427/mo
Today · 4.125%
HK$16,556
baseline
▲ 0.50% · 4.625%
HK$17,429
+HK$873/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,112/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,943
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,470
−HK$536/mo
Today · 4.125%
HK$18,006
baseline
▲ 0.50% · 4.625%
HK$19,101
+HK$1,095/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,012/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,849
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,355
−HK$513/mo
Today · 4.125%
HK$19,868
baseline
▲ 0.50% · 4.625%
HK$20,915
+HK$1,047/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,736/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,767
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,382
−HK$625/mo
Today · 4.125%
HK$21,007
baseline
▲ 0.50% · 4.625%
HK$22,285
+HK$1,278/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$42,014/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,991
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,581
−HK$598/mo
Today · 4.125%
HK$23,179
baseline
▲ 0.50% · 4.625%
HK$24,401
+HK$1,222/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$46,358/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,415
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,205
−HK$804/mo
Today · 4.125%
HK$27,009
baseline
▲ 0.50% · 4.625%
HK$28,652
+HK$1,643/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$54,018/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$154,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,274
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,032
−HK$769/mo
Today · 4.125%
HK$29,801
baseline
▲ 0.50% · 4.625%
HK$31,372
+HK$1,571/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$59,602/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$154,202 · 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).