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$14,137
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,576
−HK$447/mo
Today · 4.125%
HK$15,023
baseline
▲ 0.50% · 4.625%
HK$15,937
+HK$914/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,046/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,727
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,149
−HK$428/mo
Today · 4.125%
HK$16,577
baseline
▲ 0.50% · 4.625%
HK$17,450
+HK$873/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,154/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,964
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,492
−HK$536/mo
Today · 4.125%
HK$18,028
baseline
▲ 0.50% · 4.625%
HK$19,125
+HK$1,097/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,056/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,872
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,379
−HK$513/mo
Today · 4.125%
HK$19,892
baseline
▲ 0.50% · 4.625%
HK$20,941
+HK$1,049/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,784/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,791
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,407
−HK$626/mo
Today · 4.125%
HK$21,033
baseline
▲ 0.50% · 4.625%
HK$22,312
+HK$1,279/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,066/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,018
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,608
−HK$599/mo
Today · 4.125%
HK$23,207
baseline
▲ 0.50% · 4.625%
HK$24,431
+HK$1,224/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,414/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,446
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,238
−HK$804/mo
Today · 4.125%
HK$27,042
baseline
▲ 0.50% · 4.625%
HK$28,687
+HK$1,645/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$54,084/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$154,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,309
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,068
−HK$770/mo
Today · 4.125%
HK$29,838
baseline
▲ 0.50% · 4.625%
HK$31,411
+HK$1,573/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$59,676/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$154,964 · 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).