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$14,128
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,568
−HK$446/mo
Today · 4.125%
HK$15,014
baseline
▲ 0.50% · 4.625%
HK$15,928
+HK$914/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,028/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,717
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,139
−HK$427/mo
Today · 4.125%
HK$16,566
baseline
▲ 0.50% · 4.625%
HK$17,440
+HK$874/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,132/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,954
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,481
−HK$536/mo
Today · 4.125%
HK$18,017
baseline
▲ 0.50% · 4.625%
HK$19,113
+HK$1,096/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,034/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,861
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,367
−HK$513/mo
Today · 4.125%
HK$19,880
baseline
▲ 0.50% · 4.625%
HK$20,928
+HK$1,048/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,760/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,779
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,395
−HK$625/mo
Today · 4.125%
HK$21,020
baseline
▲ 0.50% · 4.625%
HK$22,299
+HK$1,279/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,040/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,004
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,594
−HK$599/mo
Today · 4.125%
HK$23,193
baseline
▲ 0.50% · 4.625%
HK$24,416
+HK$1,223/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,386/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,430
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,222
−HK$803/mo
Today · 4.125%
HK$27,025
baseline
▲ 0.50% · 4.625%
HK$28,670
+HK$1,645/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$54,050/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$154,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,291
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,050
−HK$770/mo
Today · 4.125%
HK$29,820
baseline
▲ 0.50% · 4.625%
HK$31,391
+HK$1,571/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$59,640/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$154,582 · 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).