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$14,119
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,558
−HK$446/mo
Today · 4.125%
HK$15,004
baseline
▲ 0.50% · 4.625%
HK$15,917
+HK$913/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,008/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,707
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,128
−HK$428/mo
Today · 4.125%
HK$16,556
baseline
▲ 0.50% · 4.625%
HK$17,428
+HK$872/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,112/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,943
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,470
−HK$535/mo
Today · 4.125%
HK$18,005
baseline
▲ 0.50% · 4.625%
HK$19,101
+HK$1,096/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,010/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,848
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,354
−HK$513/mo
Today · 4.125%
HK$19,867
baseline
▲ 0.50% · 4.625%
HK$20,914
+HK$1,047/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,734/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,766
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,381
−HK$625/mo
Today · 4.125%
HK$21,006
baseline
▲ 0.50% · 4.625%
HK$22,284
+HK$1,278/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$42,012/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,990
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,580
−HK$598/mo
Today · 4.125%
HK$23,178
baseline
▲ 0.50% · 4.625%
HK$24,400
+HK$1,222/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$46,356/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,414
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,204
−HK$804/mo
Today · 4.125%
HK$27,008
baseline
▲ 0.50% · 4.625%
HK$28,651
+HK$1,643/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$54,016/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$154,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,273
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,031
−HK$769/mo
Today · 4.125%
HK$29,800
baseline
▲ 0.50% · 4.625%
HK$31,371
+HK$1,571/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$59,600/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$154,177 · 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).