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$14,154
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,594
−HK$448/mo
Today · 4.125%
HK$15,042
baseline
▲ 0.50% · 4.625%
HK$15,957
+HK$915/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,084/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,746
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,168
−HK$429/mo
Today · 4.125%
HK$16,597
baseline
▲ 0.50% · 4.625%
HK$17,472
+HK$875/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,194/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,985
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,513
−HK$537/mo
Today · 4.125%
HK$18,050
baseline
▲ 0.50% · 4.625%
HK$19,148
+HK$1,098/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,100/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,895
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,402
−HK$514/mo
Today · 4.125%
HK$19,916
baseline
▲ 0.50% · 4.625%
HK$20,966
+HK$1,050/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,832/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,816
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,432
−HK$626/mo
Today · 4.125%
HK$21,058
baseline
▲ 0.50% · 4.625%
HK$22,340
+HK$1,282/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$42,116/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,045
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,636
−HK$600/mo
Today · 4.125%
HK$23,236
baseline
▲ 0.50% · 4.625%
HK$24,460
+HK$1,224/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$46,472/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,477
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,270
−HK$805/mo
Today · 4.125%
HK$27,075
baseline
▲ 0.50% · 4.625%
HK$28,722
+HK$1,647/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$54,150/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$155,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,343
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,103
−HK$771/mo
Today · 4.125%
HK$29,874
baseline
▲ 0.50% · 4.625%
HK$31,449
+HK$1,575/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$59,748/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$155,720 · 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).