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$887/mo
▼ 0.25% · 3.875%
HK$14,597
−HK$447/mo
Today · 4.125%
HK$15,044
baseline
▲ 0.50% · 4.625%
HK$15,960
+HK$916/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,088/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,749
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,172
−HK$428/mo
Today · 4.125%
HK$16,600
baseline
▲ 0.50% · 4.625%
HK$17,475
+HK$875/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,200/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,988
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,516
−HK$537/mo
Today · 4.125%
HK$18,053
baseline
▲ 0.50% · 4.625%
HK$19,152
+HK$1,099/mo
Deposit HK$2.48M · loan HK$3.73M · min. income ≈ HK$36,106/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,899
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,406
−HK$514/mo
Today · 4.125%
HK$19,920
baseline
▲ 0.50% · 4.625%
HK$20,970
+HK$1,050/mo
Deposit HK$2.48M · loan HK$3.73M · min. income ≈ HK$39,840/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,819
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,436
−HK$626/mo
Today · 4.125%
HK$21,062
baseline
▲ 0.50% · 4.625%
HK$22,344
+HK$1,282/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$42,124/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,049
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,640
−HK$600/mo
Today · 4.125%
HK$23,240
baseline
▲ 0.50% · 4.625%
HK$24,465
+HK$1,225/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$46,480/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,482
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,275
−HK$805/mo
Today · 4.125%
HK$27,080
baseline
▲ 0.50% · 4.625%
HK$28,728
+HK$1,648/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$54,160/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$155,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,348
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,109
−HK$771/mo
Today · 4.125%
HK$29,880
baseline
▲ 0.50% · 4.625%
HK$31,455
+HK$1,575/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$59,760/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$155,836 · 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).