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$887/mo
▼ 0.25% · 3.875%
HK$14,577
−HK$447/mo
Today · 4.125%
HK$15,024
baseline
▲ 0.50% · 4.625%
HK$15,938
+HK$914/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,048/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,728
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,149
−HK$428/mo
Today · 4.125%
HK$16,577
baseline
▲ 0.50% · 4.625%
HK$17,451
+HK$874/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$154,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,965
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,493
−HK$536/mo
Today · 4.125%
HK$18,029
baseline
▲ 0.50% · 4.625%
HK$19,126
+HK$1,097/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,058/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,873
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,379
−HK$514/mo
Today · 4.125%
HK$19,893
baseline
▲ 0.50% · 4.625%
HK$20,941
+HK$1,048/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,786/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,792
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,408
−HK$625/mo
Today · 4.125%
HK$21,033
baseline
▲ 0.50% · 4.625%
HK$22,313
+HK$1,280/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$154,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,019
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,609
−HK$599/mo
Today · 4.125%
HK$23,208
baseline
▲ 0.50% · 4.625%
HK$24,432
+HK$1,224/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,416/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,447
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,239
−HK$804/mo
Today · 4.125%
HK$27,043
baseline
▲ 0.50% · 4.625%
HK$28,688
+HK$1,645/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$54,086/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$154,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,310
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,069
−HK$770/mo
Today · 4.125%
HK$29,839
baseline
▲ 0.50% · 4.625%
HK$31,412
+HK$1,573/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$59,678/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$154,990 · 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).