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$14,152
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,592
−HK$447/mo
Today · 4.125%
HK$15,039
baseline
▲ 0.50% · 4.625%
HK$15,954
+HK$915/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,078/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,744
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,166
−HK$428/mo
Today · 4.125%
HK$16,594
baseline
▲ 0.50% · 4.625%
HK$17,469
+HK$875/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,188/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,982
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,510
−HK$537/mo
Today · 4.125%
HK$18,047
baseline
▲ 0.50% · 4.625%
HK$19,145
+HK$1,098/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,094/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,892
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,399
−HK$514/mo
Today · 4.125%
HK$19,913
baseline
▲ 0.50% · 4.625%
HK$20,963
+HK$1,050/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,826/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,812
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,429
−HK$626/mo
Today · 4.125%
HK$21,055
baseline
▲ 0.50% · 4.625%
HK$22,336
+HK$1,281/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,110/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,041
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,632
−HK$600/mo
Today · 4.125%
HK$23,232
baseline
▲ 0.50% · 4.625%
HK$24,456
+HK$1,224/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,464/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,473
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,265
−HK$805/mo
Today · 4.125%
HK$27,070
baseline
▲ 0.50% · 4.625%
HK$28,717
+HK$1,647/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$54,140/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$155,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,338
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,098
−HK$771/mo
Today · 4.125%
HK$29,869
baseline
▲ 0.50% · 4.625%
HK$31,444
+HK$1,575/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$59,738/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$155,616 · 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).