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$14,129
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,569
−HK$446/mo
Today · 4.125%
HK$15,015
baseline
▲ 0.50% · 4.625%
HK$15,929
+HK$914/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,030/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,719
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,140
−HK$428/mo
Today · 4.125%
HK$16,568
baseline
▲ 0.50% · 4.625%
HK$17,441
+HK$873/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,136/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,955
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,483
−HK$535/mo
Today · 4.125%
HK$18,018
baseline
▲ 0.50% · 4.625%
HK$19,115
+HK$1,097/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,036/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,862
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,368
−HK$514/mo
Today · 4.125%
HK$19,882
baseline
▲ 0.50% · 4.625%
HK$20,930
+HK$1,048/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,764/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,781
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,396
−HK$625/mo
Today · 4.125%
HK$21,021
baseline
▲ 0.50% · 4.625%
HK$22,301
+HK$1,280/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,042/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,006
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,596
−HK$599/mo
Today · 4.125%
HK$23,195
baseline
▲ 0.50% · 4.625%
HK$24,418
+HK$1,223/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,390/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,433
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,224
−HK$804/mo
Today · 4.125%
HK$27,028
baseline
▲ 0.50% · 4.625%
HK$28,672
+HK$1,644/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$54,056/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$154,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,294
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,053
−HK$769/mo
Today · 4.125%
HK$29,822
baseline
▲ 0.50% · 4.625%
HK$31,394
+HK$1,572/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$59,644/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$154,637 · 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).