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$14,157
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,598
−HK$447/mo
Today · 4.125%
HK$15,045
baseline
▲ 0.50% · 4.625%
HK$15,960
+HK$915/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,090/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,750
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,172
−HK$429/mo
Today · 4.125%
HK$16,601
baseline
▲ 0.50% · 4.625%
HK$17,476
+HK$875/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,202/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,989
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,517
−HK$537/mo
Today · 4.125%
HK$18,054
baseline
▲ 0.50% · 4.625%
HK$19,153
+HK$1,099/mo
Deposit HK$2.48M · loan HK$3.73M · min. income ≈ HK$36,108/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,900
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,407
−HK$514/mo
Today · 4.125%
HK$19,921
baseline
▲ 0.50% · 4.625%
HK$20,971
+HK$1,050/mo
Deposit HK$2.48M · loan HK$3.73M · min. income ≈ HK$39,842/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,820
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,437
−HK$626/mo
Today · 4.125%
HK$21,063
baseline
▲ 0.50% · 4.625%
HK$22,345
+HK$1,282/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$42,126/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,050
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,641
−HK$600/mo
Today · 4.125%
HK$23,241
baseline
▲ 0.50% · 4.625%
HK$24,466
+HK$1,225/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$46,482/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,483
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,276
−HK$805/mo
Today · 4.125%
HK$27,081
baseline
▲ 0.50% · 4.625%
HK$28,729
+HK$1,648/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$54,162/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$155,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,350
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,110
−HK$771/mo
Today · 4.125%
HK$29,881
baseline
▲ 0.50% · 4.625%
HK$31,456
+HK$1,575/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$59,762/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$155,860 · 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).