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$14,132
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,571
−HK$447/mo
Today · 4.125%
HK$15,018
baseline
▲ 0.50% · 4.625%
HK$15,932
+HK$914/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,036/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,721
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,143
−HK$428/mo
Today · 4.125%
HK$16,571
baseline
▲ 0.50% · 4.625%
HK$17,444
+HK$873/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,142/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,958
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,486
−HK$535/mo
Today · 4.125%
HK$18,021
baseline
▲ 0.50% · 4.625%
HK$19,118
+HK$1,097/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,042/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,866
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,372
−HK$513/mo
Today · 4.125%
HK$19,885
baseline
▲ 0.50% · 4.625%
HK$20,933
+HK$1,048/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,770/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,784
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,400
−HK$625/mo
Today · 4.125%
HK$21,025
baseline
▲ 0.50% · 4.625%
HK$22,304
+HK$1,279/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,050/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,010
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,600
−HK$599/mo
Today · 4.125%
HK$23,199
baseline
▲ 0.50% · 4.625%
HK$24,422
+HK$1,223/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,398/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,437
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,228
−HK$804/mo
Today · 4.125%
HK$27,032
baseline
▲ 0.50% · 4.625%
HK$28,677
+HK$1,645/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$54,064/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$154,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,298
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,057
−HK$770/mo
Today · 4.125%
HK$29,827
baseline
▲ 0.50% · 4.625%
HK$31,400
+HK$1,573/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$59,654/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$154,742 · 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).